Credit Cards

Select The Program That Fits Your Interest!

  1. Rewards Platinum Card ›
  2. Low Rate Platinum Card ›
  3. Secured Platinum Card ›

Program Features:

  • No Annual FeeViriva MasterCard
  • 25 Day Grace Period for Purchases
  • Low Monthly Payment – 3% of the outstanding balance or $25
  • Review account activities, check balances, and make payments within It’sMe247 Online Banking anytime and anywhere you have Internet connection
  • Low Balance Transfer Fee
  • Worldwide Acceptance
  • Mastercard’s Zero Liability Policy

Apply Online Now › 


Open a savings account with a minimum deposit of just $5.00 to join Viriva!

Submit a Membership Request ›

Learn More About the Viriva Difference ›

Mastercard® Platinum Rewards Credit Card*

Our credit card rewards program is powered by Rewards! and gives you the flexibility and freedom to redeem your points for almost anything you want! Earn points from everyday purchases. Use your Viriva Rewards! credit card for fuel, groceries, utility bills and watch how fast your points add up. Earn 1 point for every $1.00 in qualifying credit card signature purchases.


  • Cash Back – As a credit to account
  • Merchandise – Over 300,000 products!
  • Gift Cards – eGift cards are also available
  • Travel – Discounted airline travel, cruises, hotel stays, etc.
  • Experiences – Round of golf, sky diving, rock climbing, etc.
  • Green Products – Renewable energy credits
  • Charitable Donations –From over 250 charities
  • Prepaid Card – VISA & Mastercard® gift cards available
  • Event Tickets – Sports, theaters, concerts, etc.

View available Rewards! ›

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Mastercard® Platinum Low Rate Credit Card*

For members interested in receiving the best rate possible, our Low Rate Credit Card program may be a better choice for you. Variable rates are currently as low as 9.15% APR*.

Transfer balances from your high rate credit cards to a Viriva Low Rate Credit Card and start saving today!

Apply Online Now › 


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Mastercard® Platinum Secured Card!*

Viriva’s Secured Credit Card provides many of the same features as our other Platinum programs. Use this account to establish your credit, for no-credit applicants, or re-build your credit.

A share pledge of 100% of your credit limit plus an additional $200 is required to open a Secured Card. If you default on this account, the Credit Union will apply the shares pledged toward the repayment of any amount owed on your Secured Card.

The Platinum Rewards Credit Card program is not available to Secured Card holders, however those card holders may re-apply at any time, after issuance of a Secured Card, for any of our non-secured Mastercard Platinum programs.

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*Approval based on credit evaluation. View Complete Details ›

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