Visa Credit Cards

New! Visa Signature Cash Back Card

Unlimited 1.5% cash back on purchases!*

New Applicants

Apply Now    

KCT's new Visa Signature® Cash Back Card gives you instant access to dozens of benefits in addition to the unlimited 1.5% cash back you already earn.

Explore your world with incredible travel offers and enjoy premium benefits at a selection of some of the world's most prestigious properties when you book through the Visa Signature Luxury Hotel Collection at visasignaturehotels.com^. Or savor unforgettable wines at more than 50 Sonoma County Wineries. For more details, go to visa.com/signature.

Bonus offer for new cardholders only: Receive $100 when you spend $5,000 on purchases in the first 3 months from account opening!^^
 

In addition to unlimited 1.5% cash back, you'll also enjoy:

  • No annual fee1
  • No foreign transaction fees1
  • No cash back categories to manage
  • Your purchases are protected with Visa's Zero Liability Policy.**
  • Track your cash back with KCT Online and the KCT Mobile App
  • Tap and pay wherever you see the Contactless Symbol at checkout
  • Visa Signature Cash Back APR for purchases is 10.99%-19.99%***
    ***When you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Benefits

Enjoy the following benefits with your Visa Signature Cash Back Card:

^^"Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind. Purchases must post within the first 90 days of card issuance. Bonus cash back will post to your KCT Visa Signature Cash Back account in 2-3 billing cycles after promotional period ends. New cardholders only.

^In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Signature Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.

*Visa Signature Cash Back Terms and Conditions

**Visa’s Zero Liability Policy covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial transactions, PIN or other transactions not processed by Visa. You must notify KCT immediately of any unauthorized use.

***Variable Rate: The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on the first day of each calendar quarter (January, April, July and October), to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 29.99%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.

This product has a minimum credit limit requirement of $5,000.

Visa Signature Benefits Guide disclosures

Visa Platinum

Apply Now

Make all your purchases easy and secure, in person and online, and receive competitive interest rates with a new KCT Visa® Platinum Credit Card. 

Enjoy the convenience of Visa and great service from KCT

  • Simplify your everyday purchases
  • No annual fees*
  • Mobile wallet enabled
  • Fixed interest rates at 7.99%, 9.99% or 12.99% APR'
  • Get Visa's Zero Liability Policy fraud protection**
  • Use it at millions of places worldwide
  • Track all your purchases with KCT Online and the KCT Mobile app

Apply Now

 

'Annual Percentage Rate (APR). The rate you receive is based on your credit score. Membership and other qualifications apply.

**Visa’s Zero Liability Policy covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial transactions, PIN or other transactions not processed by Visa. You must notify KCT immediately of any unauthorized use.

Visa Classic

Make all your purchases easy and secure, in person and online.

Build your credit with the KCT Visa Classic Credit card


Apply today for a KCT Visa® Classic Credit card. This is the perfect card for members who are looking to establish or rebuild their current credit score. 

Apply Now

  • Simplify your everyday purchases
  • No annual fees*
  • Mobile wallet enabled
  • Fixed interest rates at 17.99%, 19.99%, 23.99% or 27.99% APR'
  • Get Visa's Zero Liability Policy fraud protection**
  • Track all your purchases with KCT Online and the KCT Mobile app

 

'Annual Percentage Rate (APR). The rate you receive is based on your credit score. Membership and other qualifications apply.

**Visa’s Zero Liability Policy covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial transactions, PIN or other transactions not processed by Visa. You must notify KCT immediately of any unauthorized use.

Enjoy your special savings

One of the great benefits of your KCT Visa® card is your ability to participate in special merchant offers. 

Choose from a variety of discounts at your favorite stores, restaurants, travel agencies and more!

Click the button below to see current offers from hundreds of merchants. 

Visa Merchant Offers