Credit Card

Ascentra Credit Card

With so many benefits, you'll love reading the fine print of the Ascentra Visa Credit Card! Get the freedom to cover unexpected expenses with awesome perks and the best rewards program, uChoose Rewards!

Enjoy payment convenience through our mobile app, secure chip technology, mobile wallet compatibility, and so many other features.

  • No Annual Fee
  • No Balance Transfer Fee*
  • Low Balance Transfer Rate - 2.99% APR** introductory rate for the first six months following the transfer.
  • No Ridiculously High Rates - Rates as low as 9.88% APR*** up to 17.88% APR***, based on your creditworthiness.
  • CardValet - Control your card and monitor transactions

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 *Foreign Transaction Fee is 1% of each transaction in U.S. dollars if the transaction involves a currency conversion. 0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion. **2.99% APR is an introductory rate for the first 6 months. After that, your APR will be 9.88% to 17.88%, based on your creditworthiness. ***APR = Annual Percentage Rate.


Other Features

Instant Cash Advances: Use your card to get quick cash at more than 65,000 automated teller machines (ATMs) and banking outlets around the world - with no transaction fees.

25-Day Grace Period for purchases: Take up to 25 days to repay your balance before incurring a finance charge, providing balance is paid in full.

  • Visa® SRC (Secure Remote Commerce)

    two triangles pointing to the rightSwiping your debit and credit cards is so last year. Now you can click-to-pay with your Visa card any time you see this icon at an online retailer.

    This makes shopping online easysmart and secure.

    Easy: Simply register your card and click-to-pay at any online retailer that has the symbol above and BOOM! Purchase made.

    Smart: Gone are the days of punching in your 16-digit card number, and filling out form fields to make a purchase. Because when you set up your Visa Secure, your primary info such as card number, passwords, address, etc. is remembered and automatically inputted, making your transaction that much faster. 

    Secure: With advanced technologies and multiple layers of security, Visa is among the top safest debit and credit card companies.

    Get Registered
  • Lost or Stolen Visa Credit/Debit Cards

    If your Visa® credit or debit card has been lost or stolen and it is during business hours please call us at:

    1-563-355-0152 or 

    If calling outside of regular business hours please call card services at:

    1-800-472-3272 for Visa® debit or 1-855-632-9037 for Visa® credit

  • CardValet

    CardValet is an app that allows you to keep an eye on your Ascentra Visa Credit and Debit Card with your smartphone. You can turn your card “off” if you misplace it and turn it back “on” if you realized your card was in your coat pocket the whole time. OPE!

    You can also set spending limits for yourself or your children, get alerts anytime your card is used, and more. 
    Learn More

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