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Purchases made with your Family Trust Visa® Credit Card September 1-30 will receive a promotional 5.99% APR* through March 31, 2027.

Traditional Visa Credit Card:

*Between September 1, 2026 and September 30, 2026, your Annual Percentage Rate (APR) for all purchases will be 5.99% and will remain at this promotional rate until March 31, 2027. On April 1, 2027, the unpaid balance of any promotional rate purchases will revert to the variable APR in force in your credit card agreement which ranges from 12.45%-17.90%, and existing fixed rate credit cards will revert back to the fixed rate in force in your credit card agreement. 

Must be 18 to apply. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Certain terms, conditions and exclusions may apply. Purchases may not exceed the approved credit limit. The variable Annual Percentage Rate in force on your account will be assigned when issued and disclosed in your credit card agreement. The APR will change with the market based on the Prime Rate and is subject to change without notice. For complete terms and conditions, as set forth in our Consumer Credit Card Agreement and Disclosure and our Application and Solicitation Disclosure, visit or call 803-367-4100 to speak with a Lending Consultant. 

1. Must be 18 to apply. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Certain terms, conditions and exclusions may apply. The minimum credit limit on the Traditional Visa Credit Card is $500. Purchases may not exceed the approved credit limit.  The variable Annual Percentage Rate in force on your account will be assigned when issued and disclosed in your credit card agreement, which ranges from 12.45% - 17.90% as of 02/01/2026. The APR will change with the market based on the Prime Rate and is subject to change without notice. For complete terms and conditions, as set forth in our Consumer Credit Card Agreement and Disclosure and our Application and Solicitation Disclosure, visit or call 803-367-4100 to speak with a Lending Consultant.

2. For complete details, terms and conditions, visit https://usa.visa.com/en_us/visa-offers-and-perks/?category=97. 

3. To find out more about Visa Checkout, transitioning to Visa Secure Remote Commerce (SRC), visit https://usa.visa.com/pay-with-visa/checkout.html. The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC. 

4. Physical cards will arrive by mail 10-14 business days. For your convenience, you may request your card be rushed for $50. Click to see our Fee Schedule.

5. Family Trust does not charge for this service; however, your wireless carrier's data rates may apply.

Visa Platinum Rewards Credit Card:

*Between September 1, 2026 and September 30, 2026, your Annual Percentage Rate (APR) for all purchases will be 5.99% and will remain at this promotional rate until March 31, 2027. On April 1, 2027, the unpaid balance of any promotional rate purchases will revert to the variable APR in force in your credit card agreement which ranges from 12.45%-17.90%, and existing fixed rate credit cards will revert back to the fixed rate in force in your credit card agreement. 

Must be 18 to apply. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Certain terms, conditions and exclusions may apply. Purchases may not exceed the approved credit limit. The variable Annual Percentage Rate in force on your account will be assigned when issued and disclosed in your credit card agreement. The APR will change with the market based on the Prime Rate and is subject to change without notice. For complete terms and conditions, as set forth in our Consumer Credit Card Agreement and Disclosure and our Application and Solicitation Disclosure, visit or call 803-367-4100 to speak with a Lending Consultant. 

1. Must be 18 to apply. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Certain terms, conditions and exclusions may apply. The minimum credit limit on the Visa Platinum Rewards Credit Card is $500. Purchases may not exceed the approved credit limit. The variable Annual Percentage Rate in force on your account will be assigned when issued and disclosed in your credit card agreement. The APR will change with the market based on the Prime Rate and is subject to change without notice. For complete terms and conditions, as set forth in our Consumer Credit Card Agreement and Disclosure and our Application and Solicitation Disclosure, visit or call 803-367-4100 to speak with a Lending Consultant.

2. Eligible members can redeem points through MyRewardsTM . For complete terms and conditions, or to redeem points, visit the MyRewards website or call 1-866-203-9369.

3. For complete details, terms and conditions, visit https://usa.visa.com/en_us/visa-offers-and-perks/?category=97. 

4. To find out more about Visa Checkout, transitioning to Visa Secure Remote Commerce (SRC), visit https://usa.visa.com/pay-with-visa/checkout.html. The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC. 

5. Physical cards will arrive by mail 10-14 business days. For your convenience, you may request your card be rushed for $50. Click to see our Fee Schedule.

6. Family Trust does not charge for this service; however, your wireless carrier's data rates may apply.

Frequently Asked Questions

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What's the difference between the Visa Platinum Rewards and Visa Traditional credit cards?

Both cards offer no annual fee, worldwide Visa acceptance, overdraft protection eligibility, optional Debt Protection, and Visa cardholder benefits. The main difference is that the Visa Platinum Rewards card lets you earn rewards points on every purchase, while the Visa Traditional card focuses on offering a lower interest rate. 

Who can apply for a Family Trust Visa Credit Card?

Any Family Trust member age 18 or older can apply for a Visa credit card. Approval, credit limits, and rates are based on creditworthiness and other qualifying factors.

How long does it take to get approved?

Many Visa credit card applications can be reviewed and completed within the same day. Processing times may vary if additional information or documentation is required. 

How do I complete a balance transfer?

Members can complete a balance transfer in several ways:

  • Through Online Banking
  • By contacting Member Support through website chart
  • By calling Member Support
  • By visiting any Family Trust branch

Processing times, available amounts, and any applicable fees may vary.

How do I earn rewards points?

With the Visa Platinum Rewards card, you'll earn rewards points for every $1 spent on eligible purchases.

How do I check or redeem my rewards points?

To view or redeem rewards points:

  1. Log in to Online Banking
  2. Select More. 
  3. Choose Accounts.
  4. Click Platinum Rewards
  5. Select View & Redeem Points. 

Do my rewards points expire?

Yes, Rewards points expire three years from the date they are earned. 

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