Credit Cards

Visa Platinum Awards

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Annual Fee $0
Balance Transfer Fee $0
Awards Points You’ll receive one point for every $1 spent, and these points will be combined with any points you earn from signing for purchases using your Family Trust Visa Debit card. Check your points balance online and redeem for travel, gift cards, or cash.
Warranty Manager Service Register products and extend manufacturers’ repair warranties through one convenient service.1
Travel and Emergency Assistance Services From pre-trip assistance and translation services to legal and medical referrals, count on Visa for a wide range of emergency services.1
Auto Rental Collision Damage Waiver When you rent a car with your Family Trust Visa credit card, you’re automatically covered by collision and theft coverage. Just decline the collision damage waiver (CDW) coverage offered by the rental company and save money.1
Verified by Visa Verified by Visa gives your online transactions an extra layer of protection by allowing you to create a user ID and password that confirms your identity before a purchase is made. Enter your user ID, and if it’s not correct, the transaction won’t go through until it can be confirmed you are the cardholder.
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Visa’s Zero Liability Policy You are not held liable for unauthorized purchases made using your Visa card, whether the transaction occurs online or in person. Notify us immediately if you discover unauthorized purchases. After hours or on the weekend, call 888-526-0404.2

Visa Credit Card Rates

1 1 APR = Annual Percentage Rate for balance transfers & cash advances made 06/19/2017 – 8/31/2017. APR is correct as of 07/01/2017 and is the lowest available rate based on creditworthiness and underwriting standards. On 09/01/2017, your promotional rate on those balances will remain until 02/28/2018. On 03/01/2018, your rate on the promotional balance will adjust to the variable rate in your credit card agreement. As of 12/31/2017, the non-promotional APR for variable rate Visa credit cards ranges from 8.95% – 18.00%. Rates are variable and subject to change without notice. Must be 21 years of age or older. Transfers from a fixed rate card require card termination for approval.

Type Variable Rate APR* as low as
Platinum Awards 8.95% – 13.95%
Preferred Rate 7.95% – 18.00%

1 Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.

2 Covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please consult your issuer.