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.
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.
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.
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.
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.
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.
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Leave it with us to review
Your credit history and ability to repay are reviewed to find the option that fits you best.
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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.
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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 14.65%–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 Signature Rewards 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.