Our Lowest-Rate Credit Card
With a low-rate Visa from Cyprus Credit Union, you can save money on interest charges and pay down debt more easily while building your credit. This low-interest credit card is a great choice if you carry a balance month to month or need a card for everyday purchases.
New cardholders get 0% APR for the first 6 months on purchases and balance transfers!
Best For Financial Goal
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What do you get with a new Low-Rate Visa?
A Low-Rate Visa card from Cyprus Credit Union is designed for security and convenience with a competitive low rate with no hidden fees. Get a new card today to enjoy these great benefits.
No Fees
Enjoy no annual fees, no transaction fees, no balance transfer fees, and no minimum finance charges.
Spend Hassle-Free
Enjoy more spending freedom with no penalty APR, a 25-day grace period on purchases, billing dispute resolution, and easy-access cash advances.
Perks for Safe Travel
Get peace of mind when traveling with auto rental collision coverage, roadside dispatch, and emergency card/cash disbursement
Credit Card Rates
Applications are subject to credit approval. Your rate and credit limit will be determined by individual credit worthiness including income, debt ratio, employment, and credit history. Verification of income may be required. View the Visa Credit Card Application Disclosures HERE.
Manage Your Cards in Home & Mobile Banking
Sign up for Home Banking and download the Cyprus CU Mobile Banking app to access Card Controls, which lets you set up your cards according to your goals, including:
- Enabling or disabling cards
- Setting transaction limits
- Setting up your digital card
- Creating account alerts
- And more!
More Credit Card Options
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Rewards Visa
Earn one point for every dollar spent and redeem rewards like travel perks, gift cards, premium brands, and more.
Cash Back Visa
Earn 1.5% cash back on all purchases and balance transfers, with all earnings automatically transferred into your savings account.
Share-Secured Visa
Build or rebuild your credit with a secured card backed by funds deposited by you, with competitive rates and no annual fee.
Low-Rate Visa FAQs
What is a low-interest Visa credit card?
A low-rate Visa is a cheap-interest credit card that typically has a lower APR than other cards, so less interest is charged on unpaid balances. They’re a great option if you’re looking for the cheapest rate on a credit card to save on purchases.
Why should I get a low-interest credit union credit card?
Getting a credit card through a credit union can get you lower fees and interest rates compared to big banks. Plus, you get access to Cyprus Credit Union’s educational resources to help you manage spending.
What are the credit limits on a new card?
Credit limits for our low-rate Visa cards differ by applicant and are based on creditworthiness factors like income and credit history.
How does the approval process work?
Upon completing your application, your creditworthiness will be determined by individual measures, including income, credit history, debt ratio, credit mix, and credit utilization.
Ready to Lock in a New Low Rate?
Need help finding the right credit card? Speak with a loan specialist by calling 801-260-7700 or visiting one of our branch locations.
