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Prospera Credit Cardspick a card, any card

Choose between Platinum or Rewards and apply online in minutes.

VISA® Platinum or Rewards – which will it be?

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.

Either way, you’ll enjoy VISA's Zero Liability Policy for safety and security, 24-hour online account access, and local, personal service!

You can’t go wrong with a credit card that has the power of VISA combined with the local service of your credit union.

Lock In a Special Introductory Rate

Apply today for a special introductory rate on balance transfers and purchases. Learn more…

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

Looking for a business credit card? Click here for more information

VISA Rewards Bonus Features

  • Receive two points per $1 spent on all purchases minus returns

  • No limit to the amount of rewards you can earn

  • Points are earned as net purchases occur regardless of account status

  • Earn cash back, travel rewards, merchandise rewards, merchant gift cards and eCertificates

Credit Card Rates & Disclosures

Choose Card and Apply
Platinum Rewards Special Intro Rate
Purchases APR¹Platinum: 12.65% to 20.65%²Rewards: 14.65%-22.65%²Special Intro Rate : 5.99%³
Balance Transfers APR¹Platinum: 12.65% to 20.65%%²Rewards: 14.65%-22.65%%²Special Intro Rate : 3.99%4
Cash Advance APR¹Platinum: 12.65% to 20.65%%²Rewards: 14.65%-22.65%%²Special Intro Rate : 5.99%³
TERMPlatinum: RevolvingRewards: RevolvingSpecial Intro Rate :

Looking for a business credit card? Click here for more information

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 11/03/2025 at 6:06 PM. Subject to change without notice.

Overview of Credit Card Fees

Fee Type Fee
Fee Type: Annual FeeFee: None
Fee Type: Balance TransferFee: None
Fee Type: Cash AdvanceFee: Either $10 or 5% of the amount of cash advanced, whichever is greater (Maximum fee: $100)
Fee Type: Foreign TransactionFee: 1% of each transaction in U.S. Dollars
Fee Type: Late PaymentFee: $25
Fee Type: Over-the-Credit LimitFee: None
Fee Type: Returned PaymentFee: $25
Fee Type: Card ReplacementFee: Up to $10
Fee Type: Additional CardsFee: Up to $10/card

Special Introductory Credit Card Rate For 12 Months

Apply now for a special introductory 3.99% APR¹ on Balance Transfers and 5.99% on Purchases and Cash Advances for 12 months…plus no balance transfer fee.

Apply for VISA Platinum CardApply for VISA Rewards Card

Choose your card preference above. You'll be able to select balance transfer during the application process.

1 APR = Annual Percentage Rate