Your everyday card, backed by your credit union.
A low-rate Visa® credit card with no annual fee, ScoreCard® Rewards, and local support when you need help. Before you choose a big-bank card, Think River Valley First.
A credit card that keeps things simple.
Credit cards should be useful, not confusing. The RVCU Visa® Credit Card gives you the everyday convenience of Visa with the personal service, straightforward terms, and member-first approach you expect from River Valley Credit Union.
Low, Competitive APR
Rates start at just 7.50% APR*, based on credit history. That can make a real difference when you carry a balance.
No Annual Fee
Keep more money in your pocket. There is no annual fee, so your card stays simple and affordable year after year.
Accepted Worldwide
Use your RVCU Visa® in stores, online, while traveling, or anywhere Visa is accepted.
Earn Rewards
Earn ScoreCard® Rewards points on purchases and redeem them for travel, merchandise, gift cards, and more.
Card Controls
Use Card Suite Lite to help manage your card, receive alerts, and turn your card on or off when needed.
Digital Wallet Ready
Add your RVCU Visa® to Apple Pay™, Google Pay™, or Samsung Pay™ for fast, secure checkout.
Clear numbers. No annual fee.
Before you sign up for another card, check with River Valley first. We keep the important details easy to find.
RVCU Visa® Credit Card Rate Summary
Use your card with more confidence.
The RVCU Visa® gives you rewards for everyday purchases and tools that help you stay in control of your card.
Earn points as you spend.
Every eligible purchase earns ScoreCard® Rewards points. Redeem points for options like travel, merchandise, gift cards, and more.
Manage your card from your phone.
Get added control with features like transaction alerts, spending controls, and the ability to lock or unlock your card when needed.
Protection built into every swipe, tap, and click.
Whether you are shopping online, traveling, or using your card for everyday purchases, your RVCU Visa® includes security features that help protect your account.
EMV chip technology helps protect in-person purchases.
Fraud monitoring helps watch for suspicious activity.
Zero-liability protection helps protect you from unauthorized charges.
Card lock/unlock gives you more control through Card Suite Lite.
Digital wallet security adds an extra layer of protection at checkout.
Need to report an issue? Call 1-855-961-1602 for card support.
Not sure if this card is right for you?
That is what we are here for. Talk with our team before you apply, transfer a balance, or choose a card somewhere else. We will help you understand your options in plain language.
Ready to apply for your RVCU Visa®?
Open the Visa application and agreement PDF, review the details, and contact us with any questions. We are happy to help before you apply.
You can also call or text us at 616-787-7481.
Rates as of 04/27/2026