Visa Platinum Rewards Credit Card
Shop Local. Pay Local.
$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
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.
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
9.75% – 18.00% Variable
6.75% – 16.75% Variable
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.
Redeem your ScoreCard Rewards points for miles on domestic and international flights.
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.
Get discounts on hotel stays, car rentals, cruises, and vacation packages.
Thelets 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
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
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.
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.
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.
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.
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.
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.