Credit Cards Are you getting the best deal on your credit card?
Qualstar Gold Visa® Card
- No annual fee - and very few fees to use your card
- No balance transfer fee
- Travel Accident, Trip Cancellation & Purchase Security Insurance
- Fraud protection with our 24/7 monitoring service – real time text alerts to verify transactions1
Qualstar +Rewards Visa® Card
- No annual fee - and very few fees to use your card
- $1 = 1.5 Points – redeem points for CASH
- No balance transfer fee
- Review and redeem your points for CASH rewards easily in Online Services
- Travel Accident, Trip Cancellation & Purchase Security Insurance
- Fraud protection with our 24/7 monitoring service – real time text alerts to verify transactions1
Our Qualstar +Rewards Visa Card pays you back with CASH, just for using your card!
Enjoy the flexibility of CASH rebates with your Qualstar +Rewards Visa ($1=1.5 pts.) – all with the convenience of tracking your points and redeeming your rewards by logging in to Mobile or Home Banking. In the "Visa +Rewards Points" widget, you can choose your reward amount (minimum 10,000 to redeem $100) and it will be deposited into your checking account, or savings if no checking is available (if neither are available, the reward is applied to the card balance.)
Compare our Rewards card to a traditional travel or airline rewards card…
Because our rewards are paid out in the form of cash, you have MORE FLEXIBILITY when it comes to using your rewards for travel. Simply redeem your points earned ($1=1.5 pts.) for CASH in Mobile or Home Banking and use it for your airfare, or your hotel, or spending money – no blackout dates, no limited usage, and no waiting for travel certificates – but still the benefit of accumulating and using your points for travel!
Rewards are easy to redeem from anywhere, at any time via Online Services.
Since rewards are not tied to specific companies or merchandise, there’s no need to visit special websites or make purchases at specific merchants to earn and/or redeem points. All you have to do is use your +Rewards Visa Card anywhere and watch the points add up. When you have enough points to redeem (minimum 10,000 for $100, increments of $50 available), simply log-in to Mobile or Home Banking and choose “Visa +Rewards” – that’s all there is to it!
Share Secured Credit Builder Visa
If you have no credit history, or have had credit challenges in the past, a Share Secured Credit Builder Visa is the perfect way to get back on track and establish (or re-establish) positive credit history.
- Build (or re-build) your credit, simply by making regular payments
- No balance transfer fees
- No rate penalties and all the benefits of a Qualstar Gold Visa Card
- Apply for a Loan!
How does it work?
- A Share Secured Credit Builder visa starts with a deposit which is held as the original credit balance of a Qualstar Gold Visa Card (credit limits of $250 up to $5000 are available.)
- Once payments are made and principal balance becomes available, charges can be made against the available credit balance.
- As payments are made regularly under the terms and conditions of the account, positive credit history is being created.
- After a period of positive activity, an application can be made to change the account to an unsecured Qualstar Gold Visa Card and, if approved, the original deposit is released.
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Visa® Credit Card Disclosures
*Annual Percentage Rate. Rates and terms subject to change without notice. Loan approval, term, and rate received are based on the applicant’s credit qualifications. Maximum aggregate unsecured balance(s) not to exceed $45,000.
1 When purchases are made outside of your “typical” spending behavior, a text alert will be sent immediately to give you an opportunity to approve or deny the transaction. Most times this will happen when you are at the register or even checking out online, but if you’re sitting at home and the Fraud Center thinks you’re shopping at Home Depot in Eugene, OR you can instantly deny the transaction from posting.
Click here for all loan fees. Visa USA charges a 1% currency Conversion/International Service Assessment fee for each transaction done in a foreign country or in a foreign currency.
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