Credit CardsBoost your purchasing power and gain a financial safety net with the best VISA credit card for your needs. Apply Now!
To us, you’re more than just a number. We’re invested in our community, and that means we’re invested in you. We’re here to offer you the right credit card to achieve your financial goals.
ScoreCard Rewards Visa
Have fun earning points on purchases and treat yourself with great rewards.
Classic Visa Credit Card
Relax knowing you have a fixed rate and can pay for everything you need now or on a rainy day.
No Annual Fee
We won’t charge you extra to maintain your credit card account.
Whichever card you choose, we’ll work with you to secure a great rate.
VISA Purchase Alerts
Customize your alerts so you can quickly respond to fraudulent activity.
Free eZCard Service
Sign up to analyze your spending, review your statements, and pay bills online.
25-Day Grace Period
At the end of your billing cycle, you get another 25 days to make payments.
Transfer your high-interest balance from another lender and start saving!
See Our Simple Application Process for Credit Union Credit Cards!
Gather your personal information and documents and use our secure online portal.
We’ll check your eligibility then offer you a rate based on your credit score and financial situation.
Once you get your new credit card, you can start spending, earning points, or saving on interest!
“This is a wonderful place for all your banking needs and a great place if you want to find a true friend. All the employees there are fantastic, they’re always wearing a smile, ready and willing to help you in any way possible. They make going to a bank a pleasurable experience.”
– Ruby H., Cleveland, TN
VISA Credit Card FAQs
Q: How do I know which Bowater Credit Union credit card is right for me?
A: We’re happy to talk with you about your needs and guide you towards the best card for your situation. Or simply consider these questions to help you make up your mind:
- Are you the kind of person who cuts out coupons to get discounts or likes to shop online with discount codes? If so, you might like to earn points on a ScoreCard Rewards VISA then redeem them for amazing ScoreCard Rewards like merchandise, travel, experiences, and more.
Are you the kind of person who likes to know what’s coming with the least amount of fuss? If so, you might like the security that comes with a fixed-rate Classic VISA so you simply buy what you need then pay your balance down as budget permits.
Q: What protections do your credit cards offer?
A: To reduce the risk of fraud, both our VISA credit cards come with the option to enroll in Visa Purchase Alerts. This free service can notify you when your card is used to make a purchase.
You can also customize the notifications. For example, you could request to be notified for any purchases over $500 or you may get a notification for all purchases.
- If you made the purchase, you don’t need to do anything when you receive an alert.
- If you didn’t make the purchase, you can take instant steps to cancel your card, and alert your card issuer and the authorities.
Q: What credit score do I need to get a credit union credit card?
A: For our ScoreCard Rewards VISA, there is no minimum credit score required The APR is based on your credit score and can vary from 6% to 24%.
Approval is based on factors including:
- Your debt-to-income (DTI) ratio
- Your overall financial situation and repayment history
To qualify for our fixed rate Classic VISA, you’ll need a credit score of 700+.
Q: Do I need to pay an annual fee?
A: No, there’s no annual fee, whether you choose our Rewards VISA or Classic VISA! In addition, our Classic VISA and ScoreCard Rewards VISA offers no balance transfer fee and no over-limit fee.
To keep your credit score in great shape, you should always pay on time and, that way, you’ll avoid our late payment fee equal to 5% of your minimum payment due with a $20 minimum. Luckily, there’s a 25-day grace period for the repayment of your balance for purchases!
There’s also a $0.50 minimum finance charge if you don’t pay off your balance in full each month.
Similar Loan Products
Your signature alone gives you access to cash with our Personal and Unsecured Loan options. Choose from our revolving line of credit, 90-day note, or personal loan.
Are you looking for a simple, no worries credit card? Our Classic VISA offers a low, fixed rate of 9.9% APR (700+ credit score only).
Home Equity Line of Credit
Establish a credit line of up to 80 percent of your home’s appraised equity (up to $100,000), and then enjoy a 20-year loan term with a low interest rate.