Your Everyday Card,
Built by Your Credit Union
Low rates, no annual fee, and rewards on every purchase — because when you Think River Valley First, your money works harder for you.
Download Credit Card Application (PDF)A Credit Card That Puts Members First
Unlike big-bank cards loaded with fine print and fees, the RVCU Visa® Credit Card is designed around your financial wellness — with straightforward terms, competitive rates, and genuine rewards that add up fast.
Low, Competitive APR
Rates starting at just 7.50% APR — well below national averages. No penalty rate spikes, no bait-and-switch introductory tricks.
Zero Annual Fee
Keep every dollar in your pocket. There is no annual fee so the savings start on day one and stay with you every year.
Worldwide Visa® Acceptance
Shop in-store, online, or while traveling internationally. If a merchant accepts Visa, your RVCU card works — with zero hassle.
Earn Rewards Every Purchase
Every swipe, tap, or click earns ScoreCard® Rewards points redeemable for travel, merchandise, gift cards, and cash back.
Built-In Security
EMV chip technology, real-time fraud monitoring, and instant card lock/unlock via Card Suite Lite keep your account protected 24/7.
Digital Wallet Ready
Add your RVCU Visa to Apple Pay™, Google Pay™, or Samsung Pay™ for fast, contactless, and secure purchases anywhere.
Simple, Honest Rates
No hidden fees, no confusing tiers — just clear numbers you can count on.
RVCU Visa® Credit Card — Rate Summary
Rewards You’ll Actually Use
The RVCU Visa® pairs two powerful programs to maximize what you earn and how you stay in control.
Earn Points on Every Purchase
Every time you use your RVCU Visa, you earn ScoreCard® Rewards points. Redeem them for top-brand merchandise like DeWalt®, Dyson, and FitBit®, as well as travel, gift cards, and more. Points never expire while your account is active.
Total Control from Your Phone
Lock or unlock your card instantly, set spending limits by category, receive real-time transaction alerts, and monitor activity on the go — all in one secure mobile dashboard.
Your Card, Protected Every Step
Your financial security is built into every feature of the RVCU Visa.
EMV chip technology for in-person protection against counterfeit fraud.
24/7 fraud monitoring with instant alerts for suspicious activity.
Zero-liability protection — you’re never responsible for unauthorized charges.
Instant card lock directly from the Card Suite Lite app.
Mobile wallet encryption tokenizes your card number at every checkout.
Report unauthorized charges 24/7 at 1-855-961-1602.
“When it comes to everyday spending, travel, and big purchases — Think River Valley First.”
Ready to Apply for Your RVCU Visa®?
Download the application, complete it, and bring it to any River Valley branch. Have questions? Call or text us at 616-787-7481 or stop by.
Application opens as a PDF in a new tab. Adobe Reader or a PDF viewer required.
Rates as of 04/18/2026