Valley Credit Cards

We found 2 Valley credit cards. Read on to get more insights.

By Hanna Volkava
Updated November 01, 2024

Best Credit Cards in November 2024

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Valley Visa Signature® College Real Rewards
Annual fee:
$0
Regular APR:
19.49% - 29.74% Variable
Our Rating:
3.52
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5x Points on eligible net purchases.
  • Intro Offer:
    • 2,500x Bonus rewards points awarded after the first purchase, redeemable for $25 cash back, merchandise, gift cards or travel savings.
  • Purchase Intro APR:
    0% Introductory APR for the first 6 billing cycles
  • Balance Transfer APR:
    19.49% - 29.74% Variable
  • Issuer name:
    Valley
  • Details:

    The Valley Visa Signature® College Real Rewards Credit Card earns 2,500 bonus points after the first purchase (redeemable for $25 cash back, merchandise, gift cards or travel savings). The Card offers 1.5x points on all other purchases.

    The Card doesn't charge an annual fee.

    The Visa Signature® College Real Rewards Card offers an introductory 0% APR for the first 6 billing cycles on purchases and balance transfers (within 186 days from account opening), then 19.49% - 29.74% Variable.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 2,500 bonus rewards points awarded after the first purchase (redeemable for $25 cash back, merchandise, gift cards or travel savings);
    • 1% Cash Back on all purchases;
    • Zero Fraud Liability.
Card detail
Valley Visa® Platinum
Annual fee:
$0
Regular APR:
18.24% - 29.24% Variable
Our Rating:
3.16
scorer
Credit score
Fair to Good (580-739)
  • Purchase Intro APR:
    0% Introductory APR for the first 18 billing cycles
  • Balance Transfer APR:
    18.24% - 29.24% Variable
  • Issuer name:
    Valley
  • Details:

    The Valley Bank Visa® Platinum Credit Card doesn't charge an annual fee.

    The Visa® Platinum Card offers an introductory 0% APR for the first 18 billing cycles on purchases and balance transfers (within 558 days from account opening), then 18.24% - 29.24% Variable.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Travel and Emergency Assistance Services;
    • Convenient and Flexible Purchasing Power;
    • Zero Fraud Liability;
    • Free Extra Card.
Card detail

How to Choose the Right Valley Credit Card?

Choosing the best credit card from a specific credit card issuer can be difficult. Considering Valley, there are three steps that can help you.

First of all, you are to check your credit score. It varies from "Poor” to “Excellent”, and the higher your credit score is, the better Valley options of credit cards are available to you.

Then, you need to understand why you want a Valley credit card and determine the most crucial aspects your potential credit card should have. If you want a credit card to increase your credit score, look for those with long grace period and no annual fee. If you want to not spend money on interest, Valley credit cards with the smallest interest and long intro offer are your best choice. In case you are looking for a credit card with cash, points, or miles rewards, pay attention to the rewards program offered by Valley.

Finally, try tocompare the Valley credit cards you think are the best for you, but now taking into consideration all the aspects. In general, the perfect credit card meet the following characteristics: near-zero interest rate, long grace period, low fees, high credit limit, the finance charge calculations include one billing cycle only, and great rewards and sign-up bonuses. You can easily compare Valley credit cards in the table below.

Side-by-Side Comparison of Valley Credit Cards

Card Name APR Annual fee Rewards Intro offer
Visa Signature® College Real Rewards 19.49% - 29.74% Variable $0
  • 1.5x Points on eligible net purchases.
  • 2,500x Bonus rewards points awarded after the first purchase, redeemable for $25 cash back, merchandise, gift cards or travel savings.
  • Visa® Platinum 18.24% - 29.24% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Conclusion

    Valley issues a range of credit cards with various options, yet it’s better to find the one that designed for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us