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Visa® SMART Credit Card

Get a low-rate credit card with no annual fee.

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Visa® SMART Credit Card

Say "hello" to our credit card and say "goodbye" to high rates and pay fewer fees than those other credit cards in your wallet!


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  • Introductory rate ranging from 1.99% to 6.99% APR* on purchases and balance transfers for the first 6 months, then ranging from 11.00% to 18.00% APR* on purchases and balance transfers afterwards, based on creditworthiness.
  • No annual fees, no application fees, and no balance transfer fees.
  • Contactless tap-to-pay makes it easy to pay at millions of retail locations around the globe and is protected by Visa’s Zero Liability Policy.

  • Enjoy a 25-day grace period on purchases when your balance is paid in full by your monthly due date.

  • Makes great financial sense if you carry balances on your credit card or want to pay down balances more quickly from your higher rate cards.

Visa SMART Credit Card

Advantages Of Our Visa SMART Credit Card...

ID Navigator

ID Navigator

No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind.

Your Orlando Credit Union credit card includes ID Navigator Powered by NortonLifeLock which...

  • Provides you with the tools to help keep you informed of potential threats to your identity.
  • Helps you act quickly should the unexpected happen.

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Visa Checkout

Visa Checkout

Love shopping online, but hate all the hassles when it’s time to pay? Visa Checkout is a digital payment service that can make online payment as fun and easy as online shopping.

Use it anywhere Visa Checkout is accepted — on the go with your tablet or smartphone, or at home with your computer.

With Visa Checkout, paying online is:

  • Simple: Add your Orlando Credit Union Credit Card (or any Visa card) to enroll. Then pay with Visa Checkout — it’s easy to spot!
  • Fast: Skip typing in your card and shipping info each time. Just use your Visa Checkout login to pay and that’s it.
  • Secure: Shop worry-free. Your info is stored behind multiple layers of security.

Enroll Now

Visa Credit Card FAQ

Have questions about your Visa Credit Card? We have answers!

View FAQ


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Visa SMART Credit Card Rates


1.99% to 6.99%
APR first 6 months

on purchases and balance transfers


11.00% to 18.00% APR
after 6 months

on purchases and balance transfers


View Other Rates


* APR = Annual Percentage Rate. Rates are variable and may increase. Individual rates are determined by credit score and credit history. Subject to credit union membership eligibility, credit approval and verification of information provided on your application. Other terms and conditions may apply. Terms and conditions are subject to change at any time without notice.


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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency

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