Vystar Visa Signature Credit Card Review: Rewards, Cash Back
Visa Signature® Rewards from VyStar® Credit Union — all information about the credit card.
Updated December 19, 2023
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Recommended credit score
Good to Excellent (670-799)
- Rewards Rate:
- 3x Points for every $1 spent on gas.
- 2x Points for every $1 spent on groceries.
- 1x Point for every $1 spent on all other purchases.
- Intro Offer:
- No current offer.
- Annual Fee:$0
- Purchase Intro APR:None
- Regular APR:17.75%
- Balance Transfer APR:17.75%
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VyStar® Credit Union Visa Signature® Rewards Rewards Calculator
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All benefits
- Points
- 3x On gas.
- 2x On groceries.
- 1x On all other purchases.
- Travel
- Visa Signature Concierge service:
- The Visa Signature Concierge Service is a service that provides Visa Signature cardholders with personalized information and referrals on a wide range of topics related to travel, dining, and entertainment. The Visa Signature Concierge Service is available 24 hours a day, 7 days a week.
Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 17.75%
- Intro Balance Transfer APR
- 0% Introductory APR for 12 Months on balances transferred in the first 60 days of account opening
- Balance Transfers APR
- 17.75%
- APR for Cash Advances
- 17.75%
Fees
- Annual Fee
- $0
- Fees for Balance Transfer
- None
- Return Payment
- Up to $25
- Late Payment
- Up to $25
Pros & Cons
Pros:
- No Annual Fee
- Intro APR period on balance transfers
Cons:
- No welcome bonus
- No Intro APR period on purchases
Features
- No Annual Fee
- Rewards
- Bonus points
- Good Credit
- Excellent Credit
About the issuer
VyStar® Credit Union has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
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Low income
Upgrade Triple Cash Rewards Visa®
Recommended credit score
Good to Excellent (670-799)
- NoneAnnual Fee
- 14.99% - 29.99%Regular APR
- 3%Cash Back on Home, Auto and Health categories.
- N/A%Purchase Intro APR
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Recommended credit score
Excellent (740-799)
- NoneAnnual Fee
- 19.99% - 29.99%Regular APR
- 5%Cash Back on hotels and rental cars booked through Capital One Travel.
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Recommended credit score
Good to Excellent (670-799)
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See Another Credit Cards in the Bank
VyStar® Credit Union Visa Signature® Rewards is an option for those, who need Classic features. With an APR of 17.75% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With VyStar® Credit Union Visa Signature® Rewards you will get such features as No Annual Fee, Rewards, Bonus points, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.
Best for Fair credit
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Recommended credit score
Fair to Good (580-739)
- $39Annual Fee
- 29.99%Regular APR
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