Credit union · NCUA insured
VyStar Credit Union Credit Card Rates
VyStar Credit Union credit cards start at 13.20% APR on purchases, after any introductory rate. Rates checked October 5, 2026.
How VyStar Credit Union’s credit card rates compare
Compared with banks and credit unions near Jacksonville, FL, where VyStar Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
VyStar Credit Union
13.20%APR
Visa Platinum
Lowest rate
Jax Fire Credit Union
8.64%APR
2nd-lowest rate
SUMA Federal Credit Union
9.00%APR
VyStar Credit Union credit card score
66
Credit card score
Higher than 17% of U.S. banks and credit unions
- Purchase APRPurchase APR13.20%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where VyStar 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.
Gators® Visa Platinum
All loans subject to credit approval. All rates are based on an evaluation of the member's individual credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.60% | None | Low Variable APR as low as 13.60%. No annual fee. No foreign transaction fees. |
Sources (2)
All captured Sep 18, 2026
Gators® Visa Signature Cash Back
All loans subject to credit approval. All rates are based on an evaluation of the member's individual credit history. Variable APR is tied to The Wall Street Journal Prime Rate plus a margin, never greater than 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.40% | None | Low Variable APR as low as 14.40%. Maximum APR is 18.00%. No annual fee. No foreign transaction fees. Earn up to 3 points for every $1 on gas. Up to 20% off tickets to select Gators home games. |
Sources (2)
All captured Oct 5, 2026
Orlando Magic Visa Signature Rewards
All loans subject to credit approval. All rates are based on an evaluation of the member's individual credit history. Variable APR is tied to The Wall Street Journal Prime Rate plus a margin, never greater than 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.40% | None | Low Variable APR as low as 14.40%. Maximum APR is 18.00%. No annual fee. No foreign transaction fees. Earn up to 3 points for every $1 on gas. Up to 35% off tickets to select Magic home games. |
Sources (2)
All captured Oct 5, 2026
Visa Platinum
All loans subject to credit approval. All rates are based on an evaluation of the member's individual credit history. Variable APR is tied to The Wall Street Journal Prime Rate plus a margin, never greater than 18.00%. Credit limit minimum of $500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.20% | None | Low Variable APR as low as 13.20%. Maximum APR is 18.00%. No annual fee. No foreign transaction fee. Lowest interest rate. Credit limit minimum of $500. |
Visa Secured Credit Card
Uses your VyStar savings account as collateral. Subject to credit approval. Variable APR is tied to The Wall Street Journal Prime Rate plus a margin, never greater than 18.00%. Credit limit anywhere from $500 to $2,500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Listed as Savings Secured Visa with APR of 18.00%. Maximum APR is 18.00%. No annual fee. Credit limit from $500 to $2,500. Uses VyStar savings account as collateral. |
Visa Signature Cash Back
All loans subject to credit approval. All rates are based on an evaluation of the member's individual credit history. Variable APR is tied to The Wall Street Journal Prime Rate plus a margin, never greater than 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.40% | None | Low Variable APR as low as 14.40%. Maximum APR is 18.00%. No annual fee. No foreign transaction fee. Earn up to 3% cash back on purchases. |
Visa Signature Rewards
All loans subject to credit approval. All rates are based on an evaluation of the member's individual credit history. Variable APR is tied to The Wall Street Journal Prime Rate plus a margin, never greater than 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.40% | None | Low Variable APR as low as 14.40%. Maximum APR is 18.00%. No annual fee. Earn 3 points for every $1 spent on gas, 2 points for groceries, 1 point for other purchases. |
Who can join VyStar Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.