--- title: Low-Interest Credit Cards from Rocky Mountain Credit Union description: Choose between our Visa Platinum Rewards Card and Visa Classic Credit Card – low-interest credit cards without the big bank markups. --- [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) [Online Banking Login](https://banking.rmcu.net/auth/signin) [Online Banking Login](https://banking.rmcu.net/auth/signin) [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) - - [Home Loans](https://rmcu.net/home-loans?hsLang=en) - [Personal](https://rmcu.net/personal?hsLang=en) - [Business](https://rmcu.net/business?hsLang=en) - [Membership](https://rmcu.net/membership?hsLang=en) - [Careers](https://rmcu.net/membership/about-rmcu/careers?hsLang=en) - [Contact Us](https://rmcu.net/contact-us?hsLang=en) - Search - [Checking](https://rmcu.net/personal/checking) - [Savings](https://rmcu.net/personal/savings) - [VISA Credit Cards](https://rmcu.net/personal/credit-cards) - [Personal Loans](https://rmcu.net/personal/loans) - [Vehicle & Recreation Loans](https://rmcu.net/personal/vehicle-loans) - [Loan & Gap Insurance](https://rmcu.net/loan-gap-insurance) ![RMCU-visa-platinum](https://rmcu.net/hs-fs/hubfs/RMCU-visa-platinum.png?width=1800&height=1192&name=RMCU-visa-platinum.png) # Low-Interest Credit Cards ## No application fees. Quick Turnarounds. Instant Issuing. Discover true financial partnership with RMCU's low-rate Visa options. As a member-owned institution, our profits return to you through lower interest rates and fewer fees, making our credit cards unbeatable deals.  Choose between our Visa Platinum Rewards Card and Visa Classic Credit Card – both offering competitive low APRs without the big bank markups. The application process requires no fees and is effortless: complete our one-page form, receive approval within 24 hours, and get instant card issuing at any branch.  [Apply Now](https://rmcu.net/personal/credit-cards#visa-application) ## Compare Visa Credit Cards | | VISA Platinum Rewards Card | VISA Classic Card | | --- | --- | --- | | Rate: | As Low as 11.49% APR Variable | As Low as 15.99% APR | | Annual Fee: | None | None | | Balance Transfer and Cash Advance Fee: | 2% of the amount of each transaction (min $2.50) | None | | Balance Transfer and Cash Advance Rate: | As Low as 11.49% APR Variable | As low as 15.99% APR | | Benefits: | Low variable rate, cash back on every dollar you spend | Low fixed rate, no balance transfer fee and no cash advance fee | *APR as of January 1, 2026. The variable APR is based on the Prime Rate and subject to change. Actual rate is determined by creditworthiness. Some restrictions apply. On approved credit. Must qualify for membership. Each account is privately insured up to $250,000 by American Share Insurance. By members’ choice, this institution is not federally insured.*  [Read the VISA Disclosure](https://rmcu.net/hubfs/App%20and%20Solicitation-October%202026.pdf?hsLang=en) ## Start Your Application ### Get a clear picture of your credit score SavvyMoney is a credit score monitoring tool available to all Rocky Mountain Credit Union members. Learn your current credit score, get personalized tips on improving it, and get alerts to any changes in your credit score. [Learn More](https://rmcu.net/membership/financial-education/savvy-money?hsLang=en) ## FAQs About Our Visa Credit Cards Can I make my credit card payments online? You can! Simply log on to online banking or the RMCU mobile app, go to “Move Money,” select “Payments and Transfers,” and transfer money from your savings or checking account to your credit card. If you would like to make your Visa payment from another Institution, log into your online banking, click “Access your RMCU Visa,” and then click “Make a Payment.” Does my RMCU Visa credit card offer insurance for rental cars? No, it does not. There are charges on my credit card I don’t recognize. What do I do? To report an unrecognized charge, call the credit union during business hours at 406.586.1505 or, after hours, call 833.277.9333. A representative will help you with your inquiry. What do I do if my RMCU Visa credit card is lost or stolen? If your RMCU Visa credit card is lost or stolen, please call 406.586.1505 or after hours 833.277.9333 When is my payment due? Visa payments are due on the 26th of each month. ## Learn More About Credit Cards ![](https://rmcu.net/hs-fs/hubfs/AdobeStock_194750190.jpeg?width=700&name=AdobeStock_194750190.jpeg) Blog Article ### [What Happens if You Miss a Credit Card Payment?](https://rmcu.net/blog/what-happens-if-you-miss-a-credit-card-payment?hsLang=en) Keep Reading ![](https://rmcu.net/hs-fs/hubfs/RMCU_Credit%20Card%20vs.%20Line%20of%20Credit-%20How%20Are%20They%20Different%20_1.jpg?width=700&name=RMCU_Credit%20Card%20vs.%20Line%20of%20Credit-%20How%20Are%20They%20Different%20_1.jpg) Blog Article ### [Credit Card vs. Line of Credit: How Are They Different?](https://rmcu.net/blog/credit-card-vs.-line-of-credit-how-are-they-different?hsLang=en) Keep Reading ![](https://rmcu.net/hs-fs/hubfs/1(8).jpg?width=700&name=1(8).jpg) Blog Article ### [How to Get (And Keep) a Good Credit Score](https://rmcu.net/blog/how-to-get-and-keep-a-good-credit-score?hsLang=en) Keep Reading ## [**FOLLOW US ON INSTAGRAM**](https://www.instagram.com/rockymountaincu/?hl=en) - [Privacy Policy](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/Privacy_Notice.pdf) - [ADA Compliance](https://rmcu.net/ada-compliance) - [Careers](https://rmcu.net/membership/about-rmcu/careers) - [Fee Schedule](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/RMCU_ScheduleOfCharges_Members_2024-DIGITAL-2.pdf) ![Equal Housing Leader](https://rmcu.net/hs-fs/hubfs/raw_assets/public/RMCU_2022/images/home-lender-logo.png?width=140&name=home-lender-logo.png "Equal Housing Leader") ![American Strategic Insurance](https://rmcu.net/hubfs/raw_assets/public/RMCU_2022/images/asi-logo.svg "placeholder_200x200") Each account is insured by American Share Insurance up to $250,000. By members' choice, this institution is not federally insured. [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) All share and loan accounts are subject to membership eligibility. Equal Housing Opportunity. **RMCU NMLS# 585490** © 2026 Rocky Mountain Credit Union All Rights Reserved × ## You Are Leaving Our Website You are leaving the Rocky Mountain Credit Union website and accessing a third-party website. The privacy, security, and accessibility policies of third-party websites may differ from those of Rocky Mountain Credit Union. We encourage you to review the policies of any website you visit. Rocky Mountain Credit Union is not responsible for the content, privacy, security, or availability of external websites and does not endorse or guarantee the products, services, or information they provide. Stay Here Continue ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "

You can! Simply log on to online banking or the RMCU mobile app, go to “Move Money,” select “Payments and Transfers,” and transfer money from your savings or checking account to your credit card. If you would like to make your Visa payment from another Institution, log into your online banking, click “Access your RMCU Visa,” and then click “Make a Payment.”

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No, it does not.

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To report an unrecognized charge, call the credit union during business hours at 406.586.1505 or, after hours, call 833.277.9333. A representative will help you with your inquiry.

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If your RMCU Visa credit card is lost or stolen, please call 406.586.1505 or after hours 833.277.9333

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Visa payments are due on the 26th of each month.

\n



" }, "name" : "When is my payment due?" } ] } ```