Earn unlimited points on everyday purchases and turn them into cash or other rewards that matter to you

Make everyday purchases work harder for you

Groceries. Gas. Dinner with friends. Seemingly small everyday spending adds up — and your credit card should add value right alongside it. With the Visa® Signature Rewards Credit Card, you can turn daily spending into meaningful rewards. Earn consistently, redeem easily, and feel confident using a card designed around real life.

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Cash back on every purchase — plus bonus rewards

Earn 1.5 points for every dollar you spend, with no rotating categories to track. You can redeem your points for cash back and other meaningful rewards. As a welcome bonus, you’ll earn 10,000 bonus points after spending $1,000 within your first 90 days—and you can continue earning with 5,000 bonus points each year when you spend $50,000 or more annually.

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Introductory 0% APR

Enjoy 0% APR for 18 months on purchases and balance transfers made within your first 12 months. After that, a variable APR of 14.65%–16.65% will apply. This introductory period can give you flexibility for larger purchases or help you consolidate balances — with a clear timeline and steady plan.

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No annual fee

Keep more of what you earn. This card has no annual fee and no over-limit fees, helping you avoid unnecessary costs while you build and manage your credit responsibly.

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Built-in fraud protection

Your security matters. With 24/7 fraud monitoring and zero liability for unauthorized transactions, you can use your card with confidence — knowing we’re looking out for you.

Open a Visa Signature Rewards 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.

Your questions, answered

You earn 1.5 points for every dollar you spend with the Visa® Signature Rewards Credit Card. Points can be redeemed for cash back and other rewards through the secure rewards platform. There are no rotating categories to track, so you earn at the same rate on every purchase. 

The Visa® Signature Rewards Credit Card offers 0% APR for 18 months on purchases and balance transfers made within your first 12 months. After the introductory period ends, a variable APR of 14.65%–16.65% will apply, based on your credit qualifications.

Yes. A balance transfer fee of 3% (minimum $5) applies during the promotional period*. Review your account agreement for full details. 

Applicants must meet Allegacy Financial membership requirements and credit qualifications. Approval is based on credit history, income, and overall lending guidelines. 

Yes. The card includes 24/7 fraud monitoring and zero liability protection for unauthorized transactions. If suspicious activity is detected, you are notified promptly and protected from unauthorized charges.