Visa ScoreCard Rewards Gold

0% APR* for 6 months on purchases and balance transfers.  Earn points on all your purchase and get triple points on your first purchase!  Purchase fuel with your ScoreCard Rewards credit card and receive triple points each and every time!  Also, shop at participating merchants and receive double points. (Personal cards only). View a list of the participating merchants.

Earn points on all your purchases. Redeem points for cash back or for valuable items such as travel, electronics, home décor, and so much more. This VISA® card still comes with the convenience of global acceptance and cash advances.  You can access your points here to exchange for great rewards!

Make online purchases quickly, easily, and securely. Learn how Visa Checkout can simplify your online payments.

Summary
  • Earn one point for every $1 in net purchases
  • No annual fee
  • Redeem points for valuable, brand name merchandise, travel, and more
  • Reliable, local service
  • Competitive variable interest rate
  • 0% for 6 months on purchases and balance transfers
  • No fee on balance transfer and cash advance
  • VISA® Standard Protection Package
  • Free online access for making payments, viewing statements, and transactions, categorizing expenses and more

Residents within a 100-mile radius of Dubuque, Dyersville, or West Des Moines, Iowa.

*Annual percentage rate. Subject to credit approval. Finance charges assessed on cash advances from the date they are posted. Variable rate is subject to change quarterly and is determined by adding 5% to the NY Prime Rate as published in the Wall Street Journal. Method of computing is based on average daily balance for both purchases and cash advances. Up to $15 charged for late payment. No annual fee, over limit fee, or cash advance fee. Triple points added to your ScoreCard points balance on first purchase made within 60 days of opening your credit card. See application or a Financial Services Representative for details. Triple points on fuel purchases all year long. Personal cards only.

Terms & Conditions
Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases

8.50%

Variable rate is subject to change quarterly and is determined by adding5.00% to the New York Prime Rate as published in The Wall Street Journal.
0%
Introductory rate for 6 months from the date your account is opened.
APR for Balance Transfers

8.50%

Variable rate is subject to change quarterly and is determined by adding5.00% to the New York Prime Rate as published in The Wall Street Journal.
0%
Introductory rate for 6 months from the date your account is opened.
APR for Cash Advances

8.50%

Variable rate is subject to change quarterly and is determined by adding5.00% to the New York Prime Rate as published in The Wall Street Journal.
0%
Introductory rate for 6 months from the date your account is opened.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fees None
Transaction Fees
Balance Transfer Fee None
Cash Advance Fee None
Foreign Transaction 1% of each transaction in U.S. dollars
Penalty Fees
Late Payment $15.00
Returned Payment $25.00

How will we calculate your balance?  We use a method called "average daily balance (including new purchases)."  See your account agreement for more details.

Variable APRs are based on the 3.50% prime rate as of 3/15/16.

We add 5.00% to the prime rate to determine the purchase, balance transfer and cash advance APR.