Credit Card

with fine print you'll love to read!

I like Great Rates.

Great rates are my favorite! You don’t have to travel through the seven levels of the candy cane forest for credit card rates like these. Apply by October 30 to qualify for our low holiday shopping rate! Then use your Ascentra VISA® Credit Card for purchases made Nov. 1 – Dec. 31 to take advantage of our holiday shopping rate. On top of those perks, you'll receive:

  • No annual fee!
  • No balance transfer fee!
  • 2.99% APR** for the first six months on all Balance Transfers - always!



Ascentra Members


Apply Here


Non-Ascentra Members


Apply Here


 *APR = Annual Percentage Rate. **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. ***Holiday Shopping Rate for purchases good through the June billing cycle, after which the rate will return to the standard rate indicated on your statement. Ascentra Visa Credit Card must be opened by October 30 to qualify for the special Holiday Shopping Rate.

Fran in elf costume with snow

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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