Visa® Platinum Rewards Credit Card
Low rate and no annual fee
With a low rate, no balance transfer fee and rewards, SafeAmerica's Visa® Platinum Rewards Credit Card is a smart card to carry.
Earn points for your every day purchases to redeem for travel, merchandise—even cash!
Benefits
- Earn Rewards points, one for every dollar you spend
- Earn additional points, up to three points for every dollar you spend, with MoveUP Rewards
- Redeem points for travel, merchandise, gift cards, and cash
- Youth credit card option for those starting out
- Low APR
- No annual fee
- No balance transfer fee
- No cash advance fee
- No penalty "default" rate change for late payments
- Free Visa eStatements
- Use as an overdraft protection source
- Up to $1 million in Travel Accident Insurance
Cash advances and balance transfers do not qualify to earn points. Program is subject to Terms and Conditions.
Rewards Points
Apply for a Visa Credit Card
- Low APR
- No annual fee
- No balance transfer fee
- Earn Rewards points
See How Rewards Works:
View/Redeem Your Points
Redeem your SafeAmerica Rewards points in Online Banking. When you log in select CARDS at the top of the page (at the bottom for mobile). Then click the green Card Rewards button to access the Rewards website.
Additional Benefits

MoveUP Rewards
Earn additional Rewards points, up to three points per dollar spent, with our MoveUP Rewards program.

Balance Transfers
Move your high-rate balances to SafeAmerica with no balance transfer fee.

Mobile Wallet
Add your SafeAmerica Visa credit card to your favorite mobile wallet, such as Apple Pay or Samsung Pay.


Travel Notification
Let us know when your credit/debit card(s) will be traveling with you.

Verified by Visa®
Verified by Visa provides reassurance that only you can use your Visa card online.

Zero Liability*
With Visa's Zero Liability Policy, you won't be held responsible for unauthorized charges.
Rates
Visa Credit Card Rates Rates as of 1-1-21 | |
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Interest Rates and Interest Charges |   |
Annual Percentage Rate (APR) for Purchases | 9.90% – 18.90% based on your credit worthiness. |
APR for Balance Transfers | 9.90% – 18.90% based on your credit worthiness. |
APR for Cash Advances | 9.90% – 18.90% based on your credit worthiness. |
Penalty APR and When it Applies | None |
Minimum Interest Charge | None |
How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore. |
Final rate will be determined by your creditworthiness. VISA rates can change upon legally required notice to the cardholder.
Visa Credit Card Transaction Fees | |
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Fees |   |
Set-up and Maintenance Fees Annual Fee Additional Card Fee |
  None None |
Transaction Fees Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee |
  None None 1% of transaction amount if initiated in a foreign country or currency |
Penalty Fees Late Payment Fee Over-the-Credit Limit Fee Returned Payment Fee |
  Up to $10.00 Up to $3.00 Up to $25.00 |
Overdraft Protection Advance | $5 plus 1% of transaction amount if initiated in a foreign country or currency. |
*Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.