Eyes on prize
With three different credit cards to choose from, we have one that meets your needs.
Benefits Included with all Trailhead Visa Credit Cards
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.
Which card is right for you?
Rewards Visa Credit Card
Best if you ...Want to earn rewards on everyday purchases. You will earn Pathfinder Points to redeem for cash back, gift cards, travel, merchandise, and more.
Platinum Visa Credit Card
Best if you ...Want a great rate and carry a higher balance.
Secured Visa Credit Card
Best if you ...Want to establish and build credit.
Current Rates
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 | 13.50% – 18.00% Variable | 10.50% - 18.00% Variable |
Rewards Credit Card | 14.50% – 18.00% Variable | 11.50% - 18.00% Variable |
Secured Credit Card | 13.50% Variable | 10.50% Variable |
Pathfinder Points
Use your Trailhead Rewards Credit Card to earn Pathfinder Points for all your purchases, big and small.
Take your money further
Your everyday purchases have never been more rewarding. Use your Trailhead Visa Rewards Credit Card and earn Pathfinder Points for all your purchases. Then, get rewarded with cash back, gift cards, travel, and more.
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
Cards On/Off
Use digital banking 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 digital banking 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.
Mobile Wallet
Add your Trailhead cards to your mobile wallet for secure and convenient payments.
Apply for a Trailhead Visa Credit Card
Visit any of our branches:
Old Town: 221 NW 2nd Ave, Ste 100
Mississippi: 3904 N Mississippi Ave
Division: 3354 SE Division St
Frequently Asked Questions
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.
Request a Balance Transfer
Get a lower rate on your 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.