Credit Cards

Visa® Platinum Credit Card

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Allegacy Visa Platnium Card

Enjoy competitive rates, balance transfer flexibility, and benefits that help you manage your spending with confidence

Designed for everyday financial flexibility

Whether you're consolidating balances or covering planned purchases, the Visa® Platinum Credit Card offers features that help you stay in control of your finances.

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Competitive variable APR on purchases with no annual fee*

Enjoy a competitive variable rate on everyday purchases—without paying an annual fee—helping you manage spending with greater value and fewer added costs.

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Balance transfer options to help manage existing debt

Transfer eligible balances to consolidate payments and simplify what you owe, giving you a clearer path toward paying down debt.

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Accepted anywhere Visa is accepted

Use your card confidently wherever Visa is accepted—at home, online, or while traveling—so you’re covered wherever life takes you.

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Online and mobile account management tools

Track spending, make payments, and manage your account anytime through secure online and mobile banking—so you stay informed and in control.

Open a Visa Platinum credit card in just a few steps

Getting started with a new credit card doesn’t have to be complicated. Our simple process walks you through applying, reviewing your information, and getting a decision—so you can move forward with confidence.

01
Complete your application

Share a few basic details about yourself, your income, and how you manage expenses. It’s quick and only takes a few minutes.

02
Leave it with us to review

Your credit history and ability to repay are reviewed to find the option that fits you best.

03
Get a decision from our team

You’ll receive a decision with clear terms, including your credit limit and rate. If approved, your card is on its way.

Ready to apply for the Visa® Platinum Credit Card?

Take the next step toward flexible spending and balance transfer support.

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Your questions, answered

The Visa® Platinum Credit Card has a variable APR based on your creditworthiness. Your specific rate will be clearly disclosed during the application process and in your card agreement. See latest rates here.  

See our rates

No. The Visa® Platinum Credit Card does not charge an annual fee, allowing you to use your card without worrying about a yearly cost. 

Yes. Balance transfer options are available, allowing you to move eligible existing credit card balances and simplify repayment into one account. 

The Visa® Platinum Credit Card is accepted anywhere Visa is accepted worldwide, including in stores, online, and while traveling. 

You can apply online by completing a secure application with basic personal and income information. Once submitted, your application will be reviewed and you’ll receive a decision with clear terms, including your approved credit limit and rate. 

Disclosure

*APR = Annual Percentage Rate. 0% Intro APR for 18 months on purchases and balance transfers made within 12 months of account opening. After that, a variable APR of 11.65%–16.65% (maximum 16.65%) applies, based on creditworthiness, and will vary with the Prime Rate. A balance transfer fee of 3% of each transaction or $5 minimum applies during the intro period; no balance transfer fee applies after. No annual fee. Cash advance and foreign transaction fees may apply. Membership eligibility required. Subject to credit approval. Terms and conditions may change. See Visa Platinum Benefits Guide and Visa Application and Solicitation Disclosure for details. 

Zero Liability Fraud Protection does not apply to certain transactions, including ATM and some PIN or commercial transactions. Report unauthorized use promptly. See account agreement for details.