VISA® Credit Cards

We offer a variety of credit cards with low rates, reward points, and no annual fees.

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Visa Credit Card

Visa Platinum

Visa Credit Card

Visa Platinum Rewards

Best for Carrying a balance from month-to-month Earning valuable rewards points with every purchase, redeemable for cashback and more
Annual Fee $0 $0
APR As low as
As low as
Lost Luggage Reimbursement Yes Yes
Travel & Emergency Assistance Services Yes Yes
Travel Accident Insurance Yes Yes
Verified by Visa Yes Yes
Warranty Manager Yes Yes
Convenient 25-day payment grace-period Yes Yes
Emergency cash and lost or stolen card replacement Yes Yes


Current Rates & Terms
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Visa Platinum Rewards:

  • Receive 1 point for every dollar spent on their Visa Rewards Card
  • Earn 2 points for every dollar spent at gas stations and grocery stores
  • Charge $1,500 within the first 90 days and receive a $100 bonus to be applied toward your account with Edwards Federal Credit Union
  • Points can be redeemed via statement credit or deposit into your Edwards Federal Credit Union Savings or Checking account
  • Must accumulate a minimum of 2,500 points (equivalent to $25) to redeem rewards.
  • Redeem points at
  • Please note that redemption typically takes 5 to 7 days for processing


How to avoid paying interest – Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay the entire account balance, including balance transfer and cash advances by the due date of each month. We will begin charging interest on cash advances and balance transfer on the transaction date.

Edwards also provides FREE Fraud Text Alerts – continuous monitoring of your Edwards Visa debit and credit cards to identify and prevent fraudulent transactions.

*APR = Annual Percentage Rate, fixed based on your creditworthiness. Existing Edwards FCU Visa Credit Cards not eligible for FREE balance transfers, only balance transfers from credit card from other financial institutions.

Verified by VISA®

It’s fast, easy, and free. It’s Verified by VISA® – the best way to protect yourself while you’re shopping online. Edwards FCU and VISA® are proud to bring you the extra

feature which ensures that your personal information is protected, and your shopping experience is pleasant.

Here’s how Verified by VISA® works:

  1. Shop at participating online stores. Make purchases as usual by entering your VISA® number and submitting your order.
  2. A window will appear asking for your Verified by VISA® password so your identity can quickly be confirmed.
  3. Now you’re done. You will simply return again to the online store.

Sign up at Choose your personal password and activate your card. Then you can access “Places to Shop” to see all the Internet sites where Verified by VISA® protects you. If you use your card at a website that’s not yet participating, it continues to work as usual.

Lost or Stolen Cards

During Business Hours:   661-952-5945 or 877-256-3300

REPORT LOST/STOLEN/FRAUD Visa Debit & Credit Cards
Anytime 24/7:   661-952-5945 or 877-256-3300
Debit Card – Press “4#” / Credit Card – Press “5#

* All loan rates and terms are subject to credit worthiness and approval. Rates and Terms may change at any time. Edwards Federal Credit Union is an Equal Opportunity Lender.

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