Traditional Visa
Your everyday companion with worldwide reach — a reliable credit card when you need it most.
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Low-rate convenience for your everyday needs with competitive rates and no annual fee.
Experience the freedom of our Traditional Visa credit card. Whether you're shopping locally, traveling abroad, or preparing for life's unexpected moments, this versatile card delivers the reliability you deserve. With credit lines up to $10,000 and low, exceptional rates you expect from F&A, our Traditional Visa is designed for your peace of mind.
At a glance
- Low, exceptional fixed rates
- No annual fees
- No balance transfer fees
- Free overdraft protection{{overdraft_protection}} on your F&A accounts
Apply now via Digital Banking, by calling our Member Contact Center, or in person at one of our branch locations.
Account details
- No cash advance fees
- Free fraud protection with $0 deductible
- No over-limit fees
Traditional Visa
One simple rate for everything — purchases, cash advances, and transfers. A straightforward Visa that not only delivers great value, but can be used for overdraft protection.{{overdraft_protection}}
APR{{cc_apr}} for purchases
9.90% to 15.90%
APR for balance transfers
9.90% to 15.90%
APR for cash advances
9.90% to 15.90%
Annual fee
$0.00
Credit line
$500.00 to $10,000.00
Due date{{cc_due_date}}
At least 21+ days after billing cycle close
Late payment fee
Up to $20
Over the credit limit fee
$0.00
Foreign transaction fee
1% of each transaction in U.S. dollars
Balance transfer fee
$0.00
Cash advance fee
$0.00
Rewards program
No
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FAQs
How high is the credit limit for an F&A Traditional Visa Credit Card?
The credit limits for the F&A Rewards Visa Credit Card range from $500 to $10,000, depending on a number of factors, including the applicant’s credit score.
What should I do if my credit card is lost or stolen?
Report it to F&A immediately to prevent unauthorized charges. Members can do one of the following:
- Call us directly at (800) 222-1226 during normal business hours
- Log in to Digital Banking and navigate to Card Services
- Call (888) 297-3416 for 24-hour card service
Can I make contactless payments with my F&A Visa credit card?
Yes, all newly issued F&A Visa credit cards are enabled for Tap2Pay contactless payments. Learn more about Tap2Pay.
Explore More
6-Month Certificate
Lock in today's competitive rate while maintaining flexibility with a shorter commitment period.
APY{{apy}}
4.25%
Dividend rate{{cert_dividend}}
4.16%
Minimum balance
$50,000.00
Boat Loans
Set sail with ease by financing your new or used boat with F&A.
APR{{boat_apr}} range
6.90% to 14.90%
Maximum term (new)
180 months
Maximum loan (new)
$200,000.00
Maximum financing (new)
80% of MSRP, including trailer
Maximum loan (used)
$125,000.00
Maximum term (used)
144 months
Maximum financing (used)
80% of average trade-in from NADA, including trailer
Maximum vehicle age{{rv_boat_max_age}}
12 years
Money Market Account
Gain higher dividends with a F&A Money Market Account.
APY{{apy}} as high as
2.79%
Dividend rate{{dividend}} as high as
2.25%
Minimum to open
$2,500.00
Minimum balance required{{mm_min_balance}}
$2,500.00
Monthly fee
$0.00