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No Annual Fee Credit Cards

Low-Rate Credit Card with No Annual Fee and No Foreign Transaction Fees

Both R-G Federal Credit Union credit cards – Visa® Classic and Visa® Platinum – skip the fees in favor of features. What fees do we skip? Almost all of them…no annual fee, no balance transfer fee, no inactivity fee, no cash advance fee, and best of all, no foreign transaction fee. Instead of fees, our credit cards feature great rates and convenience.

Current Visa Credit Card Rates
Card Type APR* as low as
R-G Federal Credit Union Classic Visa Card 12.75%
R-G Federal Credit Union Platinum Visa (Rates starting as low as) 8.75%

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Chose the R-G Federal Credit Union Credit Card that Suits You Best

Classic Visa® Credit Card
The R-G Classic Visa® credit card is great for college students, members new to credit or with limited credit experience, or members who only need a card for emergency use.

  • Low fixed rate of 12.75% APR*
  • No Annual Fee
  • No Balance Transfer Fee
  • No Inactivity Fee
  • No Cash Advance Fee
  • No Foreign Transaction Fees
  • Manage your account right from Home Banking

Platinum Visa® Credit Card
The R-G Platinum Visa® credit card is great for members with good credit, and members who may sometimes need to carry a balance from month to month.

  • Lower Rate - as low as 8.75% APR*
  • Higher spending limits
  • No Annual Fee
  • No Balance Transfer Fee
  • No Inactivity Fee
  • No Cash Advance Fee
  • No Foreign Transaction Fees
  • Manage your account right from Home Banking

Ready to get an R-G Visa® credit card and start saving on fees and balances? Apply online today or find a branch to get started today.

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No Foreign Transaction Fees a Great Feature for Military Members and Frequent Travelers

Many credit cards charge a fee that adds between 1% and 3% of the charged amount to your total. While usually a minor inconvenience for the occasional online purchase of a special item, the fees can really add up for members who frequently travel to or live outside of the U.S. and make a lot of purchases in other countries. That’s why R-G does not charge a foreign transaction fee on either of our credit cards. Whether you are serving overseas or just exploring this wonderful world of ours, you won’t be charged a fee to use your R-G Federal Credit Union credit card while doing so.

Who Can Apply for an R-G Federal Credit Union Credit Card?

As a credit union, R-G products and services are available to qualifying members. You don’t have to be a member to apply for a credit card, but you will need to qualify for membership as part of the application process. Becoming a member of R-G is easy, as membership is open to persons who live, work, worship, or attend school located in the Missouri counties of Bates, Benton, Cass, Cedar, Henry, Hickory, Jackson, Johnson, Morgan, Pettis, St. Clair, and Vernon. If you are not sure if you meet the membership requirement, contact us and a real person will be happy to help.

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The Fine Print

Want to learn more about your R-G Visa® credit card, including cardholder rights and responsibilities? Click the button to view our cardholder agreement.

CARDHOLDER AGREEMENT

*Depending on creditworthiness.

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