Holiday closures: Monday, December 24 after 2:00 PM; Tuesday, December 25; Tuesday, January 1

Visa Platinum Rewards Credit Card

Shop Local. Pay Local.

Card Details

Annual Fee

$0. We’re seriously not a fan of annual fees.

Balance Transfer Fee

$0. We don’t charge you to transfer your balance.2

Cash Advance Fee

$0. That’s not a typo. Starting to sense a pattern here?2

Grace Period

We give you a 28-day grace period on all purchases before they start earning interest.

Rewards that Suit You

You earn 1 Scorecard Rewards point for every $1 you charge to your card. You have a choice of rewards that fit your lifestyle.

Current Rates

Platinum Rewards Visa Credit Card

Annual Percentage Rate

Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 18% ceiling.

Earn ScoreCard Rewards points

Purchases and Cash Advance

10.25% – 18.00% Variable

Balance Transfers

7.25% – 17.25% Variable

ScoreCard Rewards

Each of us have different hobbies, interests, and dreams. Choose the rewards that fit your lifestyle. You earn 1 Scorecard Rewards point for every $1 you charge to your card.

Air Travel

Redeem your ScoreCard Rewards points for miles on domestic and international flights.

Gift Bag Icon

Name Brand Gifts

Choose from electronics, home furnishings, kitchen appliances, sports equipment, and travel accessories.

Adventure and Experience

Go whitewater rafting, get ski passes, go on a safari in Kenya, and more.

Travel Certificates

Get discounts on hotel stays, car rentals, cruises, and vacation packages.

The ScoreCard Rewards website lets you track your points, redeem your points, and view the last five transactions that earned you points (login and password set up required). You can also view the various merchandise and travel reward options.

Security and Additional Benefits

Stay Protected

Visa blocks potential fraud if abnormal patterns are detected and they will let you know if they suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions.3

Online & Mobile Banking

Bank on the go from almost anywhere quickly and securely with our Online Banking and Mobile Banking. Pay your credit card bill online, transfer funds, check available credit, and more.

Chip Cards

The Visa Platinum Credit Card has EMV chip technology for enhanced security and protection when making purchases at chip-enabled terminals in over 130 countries.

Cards On/Off

Use our Mobile Banking app to switch your credit card on or off with the click of a button. If your card has been lost or stolen or if you need to disable your card ASAP, logon to the Mobile Banking app to temporarily deactivate your card.

Overdraft Protection

We offer this optional service to help you prevent declined purchases or other overdrafts when you link your eligible Trailhead checking account to your credit card. Transfer fees may apply.

FAQs

The total outstanding balance of purchases, balance transfers, and cash advances in your account on the closing date of a billing cycle, including any interest charges, will be shown on your monthly statement for that billing cycle as the “New Balance.”

Your APR is a variable rate and will change with the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month.

Yes, we reserve the right to increase or decrease your limit.

Your variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. Your rate is based on Prime, plus a margin of 2% – 15%. The margin is based on your credit qualifications.

Your balance transfer rate will be 3% less than your purchase rate.

Your minimum monthly payment will be 3.0% of your outstanding balance (“New Balance”) or $20.00, whichever is greater.

View All

Apply for a Platinum Rewards Visa Credit Card

Apply for a Visa Rewards Platinum Credit Card online.

Contact our 24-hour Member Service line to apply.

503-220-2592 | 800-942-9408

Visit a branch near you to apply in person.

 

Fill out our Visa balance transfer request form to request a balance transfer.

Disclosures
1) Every dollar in qualifying purchase transactions minus returns (“Net Purchases”) that you make with a Trailhead Platinum Credit Card earns one point. No points are earned for finance charges, fees, cash advances, foreign transaction currency conversion charges, ATM withdrawals, or insurance charges posted to your account. Call ScoreCard at 800.854.0790 for complete information about rewards.

2) Interest begins the day you make a cash advance or balance transfer.

3) $0 Liability Guarantee. The $0 Liability Guarantee covers fraudulent transactions made by others using your account. To ensure that you are covered and protected, please do not share personal or account information with anyone. Claims may only be filed by the accountholder against posted and settled transactions subject to dollar limits and verification, including providing requested information supporting fraudulent use claim.

4) View the Visa Credit Card Account Agreement

Third Party Site Disclaimer

By clicking this link, you are leaving Trailhead Credit Union’s web site and entering a web site hosted by another party. We do not operate this site, nor are we responsible for its content. Please review the privacy and security policies of the site you are entering, as they may differ from Trailhead’s.

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