Independent credit card comparisonsAdvertiser Disclosure
BestCreditCardsGuide
VyStar Platinum Visa Card card

VyStar Platinum Visa Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Visa
Regular purchase APR
as low as 15.35%, variable based on creditworthiness and the Prime Rate
Apply Now for VyStar Platinum Visa Card (opens in a new tab)Compare this card
Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The VyStar Platinum Visa Card is a basic, straightforward low APR and balance transfer credit card from VyStar Credit Union in Florida. The card features the credit union’s lowest variable APR on purchases, balance transfers, and cash advances, as well as a special introductory rate on balance transfers for the first 12 months, depending on the creditworthiness of the applicant.

Our review of the VyStar Platinum Visa Card

When it comes to low APR credit cards, credit unions are a fantastic option. The VyStar Platinum Visa Card is no exception, offering a fixed rate APR on purchases, balance transfers, and cash advances. The APR varies based on the applicant’s creditworthiness, with rates below 11% for excellent credit scores and around 15% for good credit scores.

Up to 0% Introductory APR on Balance Transfers

New cardholders can enjoy a welcome introductory offer with the VyStar Platinum Visa Card. They can benefit from a 12-month introductory APR on balance transfers, ranging from 0% to 2.99%, depending on creditworthiness. Combined with no fees for balance transfers, this card is a convenient option for balance transfers.

Things to Consider Before Applying for the VyStar Platinum Visa

While the VyStar Platinum Visa Card offers competitive rates and introductory offers, other credit card products from the credit union may provide better benefits. For example, the VyStar Visa Signature Rewards card features a fixed APR with a 0% intro APR for 12 months and rewards points for every purchase.

Who Is the Platinum Card Designed For?

The VyStar Platinum Visa Card caters to a broader range of VyStar’s credit union membership compared to other VyStar credit cards. With variable rates, it is suitable for individuals with good credit scores looking to finance significant purchases or consolidate existing balances.

Should You Apply for the VyStar Platinum Visa?

If you are a current VyStar member seeking a low APR credit card with minimal frills, the VyStar Platinum Visa Card is a solid choice. While it lacks rewards offered by other VyStar cards, it is a reliable option for balance transfers with its low-interest rates, introductory APR, and no balance transfer fees.

For those without a perfect credit score but still in need of a straightforward credit card, the VyStar Platinum Visa Card is worth considering. Explore other credit card offers from VyStar to find the best fit for your financial needs.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • Low interest rate
  • Introductory APR on balance transfers for the first year
  • Set and remove your own travel notices

Who this card may suit

  • You already bank with VyStar Credit Union
  • You live in Central of Northeast Florida
  • You plan to finance a large purchase, carry a balance or transfer over existing card balances
  • You have a good, but not great, credit score
  • You don’t want to pay an annual fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APRas low as 15.35%, variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR0%, 1.99% or 2.99% intro APR for 12 months variable based on creditworthiness and the Prime Rate
Balance Transfer APRas low as 15.35%, variable based on creditworthiness and the Prime Rate
Cash Advance APRas low as 15.35%, variable based on creditworthiness and the Prime Rate
Late Payment Penalty FeeUp to $25
Return Payment Penalty FeeUp to $25

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

Apply Now for VyStar Platinum Visa Card (opens in a new tab)View issuer terms for VyStar Platinum Visa Card (opens in a new tab)

VyStar Platinum Visa Card

Apply Now for VyStar Platinum Visa Card (opens in a new tab)

You will leave this site for the issuer’s page. Confirm current terms there.

Similar cards