when you transfer outside balances to us.
No balance transfer fees whatsoever.
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Visa Credit Cards
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Consumer credit card agreement and disclosure »
Our current disclosure and rates »
Our past disclosure and rates »
Visa Signature® (see rates and fees)

Earn 1.5% cash back on every purchase.
No limit, no annual fee!
Annual Fee → | $0 |
Balance Transfer Fee → | $0 |
Purchase & Balance Transfers → | as low as 13.25% |
Credit Limit → | $10,000 minimum |
Introductory Rate → | 0% for 12 months ¹ |
Automatic Account Alerts → | Yes |
Cash Back → | 1.5% of all purchases |
Additional Benefits → | [See benefits] |
- Frequently Asked Questions »
- Maximizing your rewards »
- Benefits information »
- See what features to look for and how to manage credit responsbily with this helpful module »
Members may be able to skip the application...
Members can check if they're already preapproved:
» View "My Offers" inside OnlineAccess and MobileAccess+
To activate your Visa credit card, call: 866-883-8472.
To report a lost/stolen card: 888-438-0126 or 800-VISA-911; outside the U.S., call: 410-581-9994
1) After the promotional period, the purchase rate applies; purchase rates range from 13.25% - 25.00% as of 5/1/2020, based on underwriting. APR=Annual Percentage Rate. Rate may change with the market based on the Prime Rate quoted in the Wall Street Journal. The Prime Rate plus the margin equal the APR. The APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment.
Platinum Points Visa (see rates and fees)

Earn a point for every $1 spent.
Use for travel, gift cards, and much more!
Annual Fee → | $0 |
Balance Transfer Fee → | $0 |
Purchase & Balance Transfers → | View rates here » |
Credit Limit → | Starting at $1,000 |
Rewards → | Yes |
Automatic Account Alerts → | Yes |
Points → | 1 point per $1 spent |
Additional Benefits → | See benefits |
- Frequently Asked Questions »
- Benefits information »
- See what features to look for and how to manage credit responsbily with this helpful module »
Members may be able to skip the application...
Members can check if they're already preapproved:
» View "My Offers" inside OnlineAccess and MobileAccess+
To activate your Visa credit card, call: 866-883-8472.
To report a lost/stolen card: 888-438-0126 or 800-VISA-911; outside the U.S., call: 410-581-9994
Preferred Platinum Visa (see rates and fees)

Our lowest rate available.
No annual fee!
Annual Fee → | $0 |
Balance Transfer Fee → | $0 |
Credit Limit → | Starting at $1,000 |
Lowest Rate → | Yes (view rates here) |
Automatic Account Alerts → | Yes |
Additional Benefits → | See benefits |
- Frequently Asked Questions »
- Benefits information »
- See what features to look for and how to manage credit responsbily with this helpful module »
Members may be able to skip the application...
Members can check if they're already preapproved:
» View "My Offers" inside OnlineAccess and MobileAccess+
To activate your Visa credit card, call: 866-883-8472.
To report a lost/stolen card: 888-438-0126 or 800-VISA-911; outside the U.S., call: 410-581-9994
Secured Platinum Visa (see rates and fees)

Perfect for those building credit.
Low rate and your savings will earn interest!
APPLY TODAY »
Annual Fee → | $0 |
Balance Transfer Fee → | $0 |
Purchase & Balance Transfers → | View rates here » |
Automatic Account Alerts → | Yes |
Additional Benefits → | See benefits |
- Frequently Asked Questions »
- Benefits information »
- See what features to look for and how to manage credit responsbily with this helpful module »
Members may be able to skip the application...
Members can check if they're already preapproved:
» View "My Offers" inside OnlineAccess and MobileAccess+
To activate your Visa credit card, call: 866-883-8472.
To report a lost/stolen card: 888-438-0126 or 800-VISA-911; outside the U.S., call: 410-581-9994
*Special 1.99% APR (Annual Percentage Rate) for six months available on balance transfers made 1/15/2021 - 4/30/2021. After the six month promotional period, the purchase APR will apply (6.90%-21.90% as of 12/1/2020 based on Visa features and underwriting; rate may vary with the market based on the Prime Rate quoted in the Wall Street Journal and are subject to change. APR can change the first day of the billing cycle in the month following a change in Prime.) Transfers must be requested via a Transfer Form, by calling 800-325-9905 ext. 58844, via OnlineAccess, or in person. Offer not available on Business Visa Platinum accounts. Transfers made using convenience checks do not qualify. Offer not applicable to current credit union credit card balance. Transfers are subject to credit availability and cannot be used to pay a loan. The credit union reserves the right to refuse to process any transfer request. Payments in excess of the minimum amount due will be allocated to the highest APR first. Please return this completed form to your local branch, mail it to: Together Credit Union, Attn: Card Services, 423 Lynch Street, St. Louis, MO 63118. Or, fax the form to 314-657-9487.