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Visa Credit Cards

Shop Local. Pay Local.

couple dining out and paying with credit card

All Trailhead Visa Credit Card Options Include

No Annual Fee

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

No Balance Transfer Fee

$0. We don’t charge you to transfer your balance.1

No Cash Advance Fee

$0. That’s not a typo. Starting to sense a pattern here?1

Grace Period

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

Lower rate for Balance Transfers

Get a reduced rate when you transfer balances from other high-rate credit cards.

Trailhead Rewards Visa© Card

Reward Card with Pathfinder Points

Earn Rewards on Everyday Purchases

$1,000 Minimum Limit

Low APR on purchases

No annual, balance transfer, or cash advance fee

Earn Pathfinder Points to redeem for cash back, gift cards, travel, merchandise, and more

Trailhead Platinum Visa© Card

Visa Platinum Credit Card

Get a Great Rate for Higher Balances

$500 Minimum Limit

Low APR on purchases

No annual, balance transfer, or cash advance fee

Trailhead Secured Visa© Card

Secured Card

Build Credit

$300 Minimum Limit

Low APR on purchases

No annual, balance transfer, or cash advance fee

Current Rates

Visa Credit Card

Purchase and Cash Advance APR

Balance Transfer APR

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.

Platinum Credit Card

10.25% – 18.00% Variable

7.25% - 17.25% Variable

Rewards Credit Card

11.25% – 18.00% Variable

8.25% - 18.00% Variable

Secured Credit Card

10.25% Variable

7.25% Variable

Pathfinder Point Logo

Take your money further! Use your Trailhead Rewards Credit Card to earn Pathfinder Points for all your purchases, big and small.

Cash back

Cash Back

Redeem points for cashback deposited directly into your Savings account.

Gift cards

Gift Cards

Treat yourself to a day of shopping followed by a night on the town. Enjoy a variety of gift card reward options from all your favorite retailers including Starbucks®, Amazon® and much more.

Travel

Travel

Browse top travel destinations, access exclusive deals, and redeem points for airline tickets, hotel accommodations, car rentals, cruises, vacation packages, and destination activities and excursions all in one place.

Gift Bag Icon

Merchandise

With our extensive merchandise selection, you’ll be sure to find the reward item you’ve been saving for! Browse merchandise from top brands including Apple®, Sony®, KitchenAid® and much more.

Adventure Experience Icon

Experiences

From an open water dive course to a golf lesson with a PGA pro, you can redeem points for a variety of daytime excursions and nightlife entertainment.

Tickets

Event tickets

Redeem your points for tickets to top events across the nation. From concerts to top sporting events to plays,  find tickets that you will enjoy!

Security & 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.2

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.

We determine it based on your credit score, income level, and ability to borrow. We try to find a limit that makes the most sense for you.

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 Trailhead Visa Credit Card

Apply for one of our Visa Credit Cards.

Rewards Credit Card

Platinum Credit Card

Secured Credit Card

Contact our 24-hour Member Service line to apply.

503-220-2592 | 800-942-9408

Visit any of our branches:

Old Town
221 NW 2nd Ave, Ste 100 | Portland, OR 97209

Mississippi
3904 N Mississippi Ave | Portland, OR 97227

Division
3354 SE Division St | Portland, OR 97202

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

Disclosures

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

2) $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 account holder against posted and settled transactions subject to dollar limits and verification, including providing requested information supporting fraudulent use claim.

3) Visa Agreement and Disclosures

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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