Credit Card

The Ascentra Visa®Credit Card offers the freedom to cover unexpected expenses with the benefits of the best rewards program uChoose Rewards! 

With uChoose Rewards you can combine, your points when you link your Ascentra debit card and earn more rewards, to earn great merchandise, event tickets, travel, statement credits and much more. 


Enjoy our payment convenience, secure EMV chip technology, along with many other features.

  • No Annual Fee
  • No Balance Transfer Fee
  • 25-Day Grace Period for Purchases
  • uChoose Rewards
  • Apple Pay Compatible
  • MyMobile App - Transaction details and payments
  • Low Balance Transfer Rate - 2.99% APR* introductory rate for the first six months following the transfer. After that, your APR will be 9.88% to 21%, based on your creditworthiness
  • No Transaction Fee - Get cash whenever you need it.
  • 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

*2.99% APR is an introductory rate for the first 6 months. After that, your APR will be 9.88% to 21%, based on your creditworthiness.

It's easy to apply for a Visa Credit Card: 

Ascentra Members – Within  Online Account Access  go to the Application Center section, and then click on Loans/New Accounts. Members without Online Account Access,  Enroll Now  then apply through the Application Center. 

Not a member?  – Go through the   Application Center , call 563-355-0152 or 1-800-426-5241, ext. 1, or stop in to any of our convenient locations. 

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