Grow Financial Federal Credit Union

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The Card You Need,
The Rewards You Want


For most people, choosing a credit card comes down to how they plan to use it. Are you a frequent swiper who likes getting cash back? There’s a card for that. Prefer rewards points instead? We’ve got ‘em. Looking for simplicity and the lowest possible rates? There’s a card for that too. Plus, as a credit union, our rates on any credit card will never exceed 18% — though most members enjoy rates much lower than that.

Grow Visa RewardsGrow Visa Cash Rewards Grow Visa PreferredGrow Visa Preferred Secured
Annual Fee$0$0$0$0
Balance Transfer Fee$0$0$0$0
Earns RewardsYesYesNoNo
Intro Annual Percentage Rate (APR)As low as 1.99% to 8.99% APR, good for the first six billing cycles on purchases and balance transfersNoAs 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 4.99% APR, good 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 13.49% to 17.49%.*As low as 16.24% to 17.99%* for purchases and balance transfersAfter the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 9.24% to 17.99%.*After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 9.24% to 17.99%.*
Visa Zero Liability ProtectionYesYesYesYes

Grow Visa Rewards Credit Card

Our top pick for frequent card users, this card earns rewards on every swipe. Take those points and redeem them for gift cards, travel and other perks from the Grow Rewards Catalog. Plus, enjoy an intro APR period for the first six months.

Grow Visa Cash Rewards Credit Card

Prefer cash over points? This is the card for you. Earn cash back on every swipe, with no spending limits. That means there’s no cap on the cash back you can earn, so you’ll cash in on every dollar you spend — even paying bills.

Grow Visa Preferred Credit Card

If you like simplicity and value, the Grow Visa Preferred Credit Card has both. With our lowest intro APR range for both balance transfers and purchases, this card is popular for both debt consolidation and everyday spending.

Grow Visa Preferred Secured Credit Card

Is your credit score not quite where it needs to be? We designed the Grow Visa Preferred Secured Credit Card for our members who want to improve their credit. Secured by funds in your savings account, this card makes a great tool to help you build a positive credit history and credit score.

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Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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 08/16/2022 and could change without notice.

Verified by Visa | Disclosures | Agreement

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