Credit union · NCUA insured
Argent Credit Union Credit Card Rates
Top CarrotArgent Credit Union credit cards start at 13.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Argent Credit Union’s credit card rates compare
Compared with banks and credit unions near Richmond, VA, where Argent Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Argent Credit Union
13.74%APR
- Up to
- 22.74% APR
VISA Rewards
Lowest rate
Hopewell Chemical FCU
6.90%APR
- Up to
- 16.99% APR
2nd-lowest rate
FirePolice CU
7.90%APR
- Up to
- —
Argent Credit Union credit card score
65
Credit card score
Higher than 13% of U.S. banks and credit unions
- Purchase APRPurchase APR13.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Argent Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Cash Rewards
Membership eligibility required and opening a savings account with minimum $5 deposit. Zero annual fee, no balance transfer fee, and no cash advance fee. Earns 2% cash back on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.24%–18.00% | None | Variable purchase APR is 15.24% - 18.00% based on WSJ prime rate plus margin 6.74% - 15.74%. No balance transfer fee. |
| Ongoing | 17.24%–18.00% | None | Variable balance transfer APR is 17.24% - 18.00%. No balance transfer fee. |
Sources (2)
All captured Oct 22, 2026
VISA Platinum
Membership eligibility required (living, working, attending school, worshipping, or volunteering in Chesterfield, Henrico, Hanover, or Richmond, or qualifying family member) and opening a savings account with minimum $5 deposit. No annual fee, no balance transfer fee, and no cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 24 months | 13.24%–18.00% | None | Variable purchase APR from 13.24% to 18.00%, adjusted quarterly based on WSJ Prime rate plus margin of 4.74% - 13.74% (card page footnote). Rate good for 24 months. No annual fee, balance transfer fee, or cash advance fee. |
| Ongoing | 15.24%–18.00% | None | Variable balance transfer APR is 15.24% to 18.00%, adjusted quarterly based on WSJ Prime rate plus margin of 6.74% - 15.74%. No balance transfer fee. |
Sources (2)
All captured Oct 22, 2026
VISA Rewards
Membership eligibility required (living, working, attending school, worshipping, or volunteering in Chesterfield, Henrico, Hanover, or Richmond, or qualifying family member) and opening a savings account with minimum $5 deposit. Zero annual fee, no balance transfer fee, and no cash advance fee. Earns 1,000 points on first purchase and 1 point per dollar thereafter.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.24%–18.00% | None | Variable purchase APR is 15.24% - 18.00%, adjusted quarterly to WSJ Prime rate plus margin of 6.74% - 15.74%. No annual fee. |
| Ongoing | 17.24%–18.00% | None | Variable balance transfer APR is 17.24% - 18.00%, adjusted quarterly to WSJ Prime rate plus margin of 8.74% - 17.74%. No balance transfer fee. |
Sources (1)
- argentcu.org/loans-credit/credit-cards · captured Oct 22, 2026
Who can join Argent Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who lives, works, attends school, worships, or volunteers in Chesterfield County, Henrico County, Hanover County, or the City of Richmond.
Family and household
- Membership is extended to immediate family members and housemates of eligible individuals, even if that individual is not a member.
Membership information collected October 4, 2026.