Choosing a credit card can feel like a big task. With all the options on the market today, it can be overwhelming to wade through the waters of many details which can leave you wondering, which credit card is best? It all depends on what you need and how you’ll use it.

Do you want to earn rewards points or cash back on your purchases? Are you looking for simplicity with the best possible Annual Percentage Rate (APR)? Are you working to rebuild your credit and need a card designed with that in mind?

We’ve got something for almost everyone among our selection of Grow Visa^® credit cards. All our credit cards are backed by Visa^® Zero Liability Protection against fraud, and you’ll find no annual fees or balance transfer fees in sight.

Which credit card is right for you?

	Grow Visa Rewards Card	Grow Visa Cash Rewards Card	Grow Visa Preferred Card	Grow Visa Preferred Secured Credit Card
Best For You If:	You want to earn Grow rewards points with every swipe.	You’re a frequent card user and prefer earning cash instead of points.	You prefer simplicity: a great value card with a low standard APR.	You’re working to rebuild your credit score.
Annual Fee	Never!	Nope!	Nada!	Zilch!
Balance Transfer Fee	$0	$0	$0	–
Introductory APR	As low as 1.99% to 8.99% APR, good for the first six billing cycles on purchases and balance transfers	–	As low as 1.99% to 4.99% APR, good for the first six billing cycles on purchases and balance transfers	As low as 1.99% to 11.99%* for the first six billing cycles on purchases and balance transfers
Annual Percentage Rate (APR)	After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 11.24% to 15.24%.*	As low as 13.99% to 15.74% for purchases and balance transfers*	After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 6.99% to 17.49%.*	After the introductory period, or if you don’t qualify for an introductory rate, your APR will range between 6.99% to 15.74%.*

 

Grow Visa Rewards Card

Great for frequent card users, this card earns Grow rewards with every swipe. Redeem those points for gift cards, appliances, name brand products and more.

Grow Visa Cash Rewards Card

Would you rather earn cash? With this card, you can earn cash back on every swipe with no spending limits.

Grow Visa Preferred Card

If you’re looking for a great value and simplicity, this card might be right for you. The biggest draw? Typically, members qualify for the lowest standard APR with the Grow Visa Preferred Card plus fee-free balance transfers, which can come in handy if you’re looking to pay down higher interest debt. Learn more about our Grow Visa Preferred Card.

Grow Visa Preferred Secured Credit Card

Rebuilding your credit? Our Grow Visa Preferred Secured Credit Card can start you on the path toward rebuilding credit. It’s secured by a deposit to a savings account, and the balance in that account is your credit limit. After a period of on-time payments, and no late payments with your other accounts, you may qualify for an unsecured credit card. Learn more about good habits to rebuild your credit score.

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Subject to credit approval.
*Annual Percentage Rate (APR). This rate is variable and will vary with the market based on Prime Rate as published in the Wall Street Journal “Money Rates” table on the last day of each calendar month. The APR will not exceed 18.00%. If the minimum monthly payment is 60 days late twice in a twelve month period, the rate will revert to a default rate of 18.00% for six (6) billing cycles. Other APRs: Cash Advances 18.00%, Overdraft to Share Account 18.00%. A finance charge of 1.00% will be charged on foreign transactions. The rate you receive will be based on your creditworthiness. Rates are effective as of 04/07/2020 and could change without notice.

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• Credit Education