Visa® Cards
Visa Platinum: The ultimate low-rate credit card
If you tend to carry a credit card balance, it's important to have the lowest interest rate possible. With the Visa Platinum card from Ridgeline Credit Union, you get our lowest rate, as well as a variety of other benefits.
- Rates as low as 8.90% APR
- No balance transfer fees
- 25 day grace period
Rates and fees
Our lowest rate credit card.
Whether you're a student, a young couple, or someone trying to establish credit, the Ridgeline Visa Platinum credit card is for you.
Visa Platinum
For the months a balance carries over. Our lowest rate, and accepted worldwide.
- Purchase APR 8.90% to 18.00%
- Balance transfer fee $0
- Foreign transaction fee 1%
- Grace period 25 days on new purchases
Best if you ever carry a balance.
Visa Debit
For everyday spending straight from your checking account, so there is no interest to pay.
- Comes with Free Checking
- Digital wallets Apple Pay, Google Pay, Samsung Pay
- Surcharge-free ATMs Over 30,000 on CO-OP
- Card controls Card Suite Lite
Freeze it from your phone.
Visa Platinum rates and fees
Loan rates undated by the credit union. Fee schedule effective 7/1/2024.
| Rate or fee | Visa Platinum |
|---|---|
| Purchase APR | 8.90% to 18.00% |
| Balance transfer fee | $0 |
| Foreign transaction fee | 1% |
| Late payment fee | $20.00 or 5% of payment, whichever is greater |
| Grace period on purchases | 25 days on all new purchases if balance paid in full |
Scroll sideways to see every column on a small screen.
These are the credit union's published terms for the Visa Platinum. The credit union does not publish an annual fee, a cash advance rate or fee, a penalty APR, or a credit limit range for this card. Loans subject to credit approval, and your Annual Percentage Rate between 8.90% and 18.00% is based on creditworthiness.
Balance transfers
Move a high-rate balance and stop feeding it.
No transfer fee, no teaser rate that jumps in six months, and no new balance required. Your rate is your rate.
What moving $5,000 looks like
Paying $250 a month, no new purchases
| Card | APR | Months to pay off | Interest paid |
|---|---|---|---|
| A typical rewards card elsewhere | 24.99% | 27 | About $1,535 |
| Ridgeline Visa Platinum, at our lowest rate | 8.90% | 22 | About $432 |
| What that saves you | 16.09% less | 5 months sooner | About $1,103 |
Scroll sideways to see every column on a small screen.
An example, not an offer. 8.90% APR is the lowest Visa Platinum rate; yours falls between 8.90% and 18.00% based on creditworthiness. At 18.00% the same balance takes 24 months and about $989 in interest. Your result depends on your balance, your rate, and what you pay each month.
On the Visa Platinum
What comes with the card.
Every Ridgeline Visa Platinum includes all of this, at no extra cost.
Chip-enabled for added security
The chip generates a one-time code for each transaction, so the card number is harder to lift at the terminal.
Card controls in the app
Card Suite Lite lets you freeze and unfreeze the card, set spending limits by merchant or category, get instant alerts, and review your spending history.
Lost or stolen, day or night
Call 1-855-961-1602 24 hours a day, 7 days a week to have transactions blocked. Then call the credit union at (801) 328-1521 during office hours so we can order your replacement card.
Contactless and digital wallets
Tap to pay is available on your card, and it works with Apple Pay, Google Pay, and Samsung Pay. You set your own PIN at activation.
Accepted worldwide
Recognized by over 28 million merchants around the globe. A 1% foreign transaction fee applies on purchases made outside the United States.
Same-day card issuance
We can issue or replace your card the same day at our office. Call (801) 328-1521, Monday through Friday, 9:00 AM to 5:00 PM.
Applying
Four steps to a Visa Platinum.
Apply online, call (801) 328-1521, or come into the office at 564 East 300 South. You do not need an appointment.
-
Join, if you have not already
Membership is required, based on eligibility. It takes a $25.00 share deposit and a paper Membership Application completed at our office.
-
Apply
Start the application online, call (801) 328-1521, or come in. Bring your name, address, Social Security number, income, and a photo ID.
-
We review it
Loans are subject to credit approval. Your Annual Percentage Rate lands between 8.90% and 18.00% based on creditworthiness, and we tell you the rate before you accept the card.
-
Pick it up and activate
We can issue your card the same day at our office. Set your own PIN at activation, then add it to Apple Pay, Google Pay, or Samsung Pay.
What to have handy
- A government photo ID and your Social Security number
- Your gross annual income and housing payment
- $25.00 for your share deposit if you are not a member yet
- Proof you live, work, worship, volunteer, or attend school in Salt Lake City
Not a member yet? There is no online membership application. You complete one at our office, or call us at (801) 328-1521 and we’ll mail you one. Membership is required, based on eligibility.
“Ridgeline took a chance on us over 20 years ago when we were trying to build our credit, we’ve never forgotten their help.”
C. · Google review
Questions
Before you apply.
What rate will I get?
Your Annual Percentage Rate falls between 8.90% and 18.00% APR based on creditworthiness. Loans are subject to credit approval, and on approved credit only. Higher rates may apply for members with an Experian FICO credit score less than 670.
Is there a balance transfer fee?
No. There are no balance transfer fees on the Visa Platinum.
Do you charge a foreign transaction fee?
Yes. A 1% foreign transaction fee applies. The card is accepted worldwide and recognized by over 28 million merchants around the globe, so it works when you travel, but budget for the 1%.
How long is the grace period?
25 days on all new purchases if the balance is paid in full.
What happens if I pay late?
A late fee of $20.00 or 5% of the payment, whichever is greater, may be assessed. That figure comes from our fee schedule effective 7/1/2024. Call us before the due date if money is tight.
My card was lost or stolen. What do I do?
If your VISA Credit or Debit card has been lost or stolen, please call 1-855-961-1602 24-hours a day, 7-days a week to have transactions blocked. You will also need to call the credit union at 801-328-1521 during normal business hours so we can order you a new card with a new number.
How do I dispute a charge on my card?
Contact the merchant first and try to resolve it directly. If that does not settle it, complete the cardholder dispute form, one transaction per form, and send it to Amber at amber@ridgelinecu.com or bring it to the office at 564 East 300 South. If you did not authorize the transaction at all, call 1-855-961-1602 first so the card can be blocked and reissued with a new number.
Card disclosures
APR = Annual Percentage Rate. Loans subject to credit approval. Annual Percentage Rate between 8.90% and 18.00% APR based on creditworthiness. 1% foreign transaction fee. Membership required, based on eligibility. ON APPROVED CREDIT ONLY. HIGHER RATES MAY APPLY FOR MEMBERS WITH AN EXPERIAN FICO CREDIT SCORE LESS THAN 670. The credit union does not publish an effective date for its loan rate schedule, and rates are subject to change.
Fees on the Visa Platinum: no balance transfer fees. A 1% foreign transaction fee applies. You have a 25 day grace period on all new purchases if the balance is paid in full. A loan late fee of $20.00 or 5% of the payment, whichever is greater, may be assessed under the fee schedule effective 7/1/2024. The credit union does not publish an annual fee, a cash advance rate or fee, a penalty APR, or a credit limit range for this card.
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. Ridgeline Credit Union is an Equal Housing Lender. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. Membership eligibility required. Routing Number: 324078417. NMLS #402443.