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VyStar Visa Signature Rewards Card card

VyStar Visa Signature Rewards 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
17.75% variable based on the Prime Rate and credit history
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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 Visa Signature Rewards Card is a low APR rewards credit card that also doubles as a great balance transfer card. The card earns 3X points on gas, 2X points on groceries, and 1X points on everything else. It also benefits from a special 0% intro APR on balance transfers for the first 12 months, no fees on balance transfers or cash advances, no foreign transaction fee, and no annual fee.

Our review of the VyStar Visa Signature Rewards Card

  • Baker
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  • Duval
  • Flagler
  • Hamilton
  • Marion
  • Nassau
  • Orange
  • Putnam
  • Saint Johns
  • Seminole
  • Suwannee
  • Union
  • Volusia

Additionally, family members of current VyStar members are eligible to join, as well as employees of select partner companies.

Overall, the VyStar Visa Signature Rewards Card is a standout option for those looking for a rewards credit card with a competitive APR, generous earning rates, and a host of valuable benefits and perks. With no fees for foreign transactions and a strong partnership with the UChoose Rewards Program, this card offers a well-rounded package for savvy credit card users.

Apply for the VyStar Visa Signature Rewards Card today to start earning points on your everyday purchases and enjoying the benefits of being a Visa Signature cardholder.

Card features

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

  • Earn 3 rewards points for every $1 spent on gas; 2 points for every $1 spent on groceries; 1 point for every $1 spent on other qualified purchases
  • No annual fee
  • Visa Signature Concierge

Who this card may suit

  • You already bank with VyStar Credit Union
  • You want an everyday credit card to earn rewards on your daily commute and weekly shopping
  • You do't want to pay an annual fee
  • You want to transfer over existing credit card balances to quickly pay them down at a lower rate

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 APR17.75% variable based on the Prime Rate and credit history
Intro Balance Transfer APR0% for 12 months from account opening date
Balance Transfer APR17.75% variable based on the Prime Rate and credit history
Cash Advance APR17.75% variable based on the Prime Rate and credit history
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.

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VyStar Visa Signature Rewards Card

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

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