Special Introductory Credit Card Rate For 12 MonthsPick a card, any card

Choose between Platinum or Rewards and apply online in minutes.

Switch to a Prospera® VISA® Platinum or Reward credit card and receive an introductory 1.99%* APR on balance transfers for 12 months, 3.99%* APR on purchases, and cash advances for 12 months!

If you carry a balance, Platinum is the card for you. If you pay it off each month, then Rewards it is. That’s two points per $1 spent with the Rewards card.

Benefits of a Prospera Credit Card

  • It’s safe and secure – VISA’s “zero liability plan” protects you from unauthorized transactions if your card is ever lost or stolen
  • It’s easily accessible with 24/7 online account access plus local, personal service from your credit union.
  • It comes with an option for rewards – receive two points per $1 spent on all purchases minus returns.
  • It comes with chip technology which provides extra security, and that means more peace of mind

Two Ways to Apply:

Apply Online

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Stop in one of our six locations

Locations

Credit Card Rates & Disclosures

Choose Card and Apply
Platinum Rewards Special Intro Rate
Purchases APR¹Platinum: 9.65% to 17.65%²Rewards: 11.65% - 19.65%²Special Intro Rate : 3.99%³
Balance Transfers APR¹Platinum: 9.65% to 17.65%²Rewards: 11.65% - 19.195%²Special Intro Rate : 1.99%4
Cash Advance APR¹Platinum: 9.65% to 17.65%²Rewards: 11.65% - 19.65%²Special Intro Rate : 3.99%³
TERMPlatinum: RevolvingRewards: RevolvingSpecial Intro Rate :

1APR = Annual Percentage Rate
2Based on creditworthiness. APR will vary with market-based on the Prime Rate
3For first 12 months from opening account.
4For first 12 months from opening account. Balance transfers from another Prospera card do not qualify.
For informational purposes only. Not intended for advertisement of credit. Rates based on your account relationship and credit score.

Rates as of 05/18/2022 at 11:35 AM. Subject to change without notice.

Compare Credit Card Features

VISA Rewards VISA Platinum
Automatic PaymentsVISA Rewards: checkmarkVISA Platinum: checkmark
Low RatesVISA Rewards: checkmarkVISA Platinum: checkmark
No Annual FeeVISA Rewards: checkmarkVISA Platinum: checkmark
No Balance Transfer FeeVISA Rewards: checkmarkVISA Platinum: checkmark
Payment ProtectionVISA Rewards: checkmarkVISA Platinum: checkmark
VISA Zero Liability ProtectionVISA Rewards: checkmarkVISA Platinum: checkmark
2 Points Per $1 SpentVISA Rewards: checkmarkVISA Platinum: x
No Rewards LimitVISA Rewards: checkmarkVISA Platinum: x
Earn Points Regardless of Account StatusVISA Rewards: checkmarkVISA Platinum: x
Earn Cash Back, Travel Rewards & MoreVISA Rewards: checkmarkVISA Platinum: x

Rates as of 01/12/2022 at 4:33 PM. Subject to change without notice.

*After the 12-month promotional period ends, your APR will be 8.90% to 18.90% based on your creditworthiness and credit card choice – Platinum versus Rewards. This APR will vary with the market based on the Prime Rate. Click here for Important Rate, Fee and Other Cost Information. We will begin charging interest on balance transfers on the transaction date. Balance transfers from one Prospera credit card to another Prospera credit card do not qualify. Payment in excess of the minimum monthly payment due will be applied to the balance with the highest APR first. Balance transfers do not qualify toward reward points.