Credit Cards
Whether you’re looking for cash back, rewards, or the lowest interest rate possible, we have the right credit card for you.
Comparing Credit Cards
VISA® Cash Rewards
- Earn 2% cash back¹ on purchases
- There’s no limit to how much you can earn
- $500 travel accident insurance
- Zero liability for Fraudulent Transactions
- Easy online access-view balance, payments and available credit
- Year-end Summary
- Rate: Variable starting as low as 15.24% APR²
VISA® Rewards
- Get 1,000 points for making your first purchase, then 1 point for every dollar you spend thereafter
- Points remain on your account for 4 years from the date of receiving them
- No cap on the number of points you can earn
- $500 travel accident insurance
- Zero liability for Fraudulent Transactions
- Easy online access-view balance, payments and available credit
- Year-end Summary
- Rate: Variable starting as low as 15.24% APR²
VISA® Platinum
- 24-month balance transfer offer within the first 90 days of account opening
- $500 travel accident insurance
- Zero liability for Fraudulent Transactions
- Easy online access-view balance, payments and available credit
- Year-end Summary
- Lowest rate
- Rate: Variable starting as low as 13.24% APR³
Benefits of Argent Credit Union Credit Cards
Regardless of the credit card you select, you’ll receive additional benefits to enhance your overall experience.
Avoid Fees
Take advantage of the cost savings that come with no annual fee, no balance transfer fee, and no cash advance fee.
Insurance & Waivers
Get Auto Rental Collision Damage Waiver, Travel & Accident Insurance, Baggage Delay Insurance, and other services.
Fraud Protection
We offer 24/7 customer service and lost/stolen reporting, and provide zero liability for any fraudulent transactions.
Online & Mobile Banking
Experience the convenience of seamless online access to view your balance, available credit, and make payments from anywhere, at any time.
VISA® Cash Rewards
Open a VISA® Cash Rewards and start earning cash back on qualified purchases. You’ll get:
- 2% cash back¹ with no limits on how much you can earn.
- Variable rate starting as low as 15.24% APR².
- Zero Liability for Fraudulent Transactions.
- This card includes warranty Manager Service, Travel & Emergency Assistance Services – including $500 travel accident insurance.
VISA® Rewards
Get rewarded for your daily purchases with the Argent VISA Platinum Rewards Card, as each purchase earns valuable points that can be redeemed for merchandise, travel, or gift cards.
- Get 1,000 points for making your first purchase, then 1 point for every dollar you spend thereafter.
- Points are shown on your monthly statement and can be redeemed online.
- Points remain on your account for 4 years from the date of receiving them.
- There is no cap on the number of points you can earn.
- Variable rate starting as low as 15.24% APR²
- This card offers warranty Manager Service, Travel & Emergency Assistance Services.
VISA® Platinum
Open a new Argent VISA Platinum Card and enjoy:
- 1.99% APR4 on balances transferred within the first 90 days of account opening.
- Thereafter, variable rates from 13.24% to 18.00% APR³.
- Rate good for 24 months
- Debt paid off faster
- This card includes warranty Manager Service, Travel & Emergency Assistance Services.
Build Your Credit
Need help building or improving your credit? Argent offers a Secured Credit Card that is a useful tool to help you do just that. Payment history is the single biggest factor in a credit score. By making timely payments and maintaining a low balance, you are able to demonstrate responsible borrowing habits, which can boost your credit score.
Our Secured Credit Card has a lower credit limit and requires a security deposit usually the same amount as your credit limit.
“Love this credit union. Always loyal to their customers and have earned my business for life. Always take care of those who take care of you!!”
– Brian W.
FAQs About Credit Cards
Do I need to be a member of Argent Credit Union to apply for a credit card?
Yes, you need to be a member to enjoy our credit card offers. Membership eligibility is open to individuals living, working, attending school, or who worship or volunteer in the following counties:
- Chesterfield
- Henrico
- Hanover
- The city of Richmond
Membership is also available to family members or housemates who meet the above criteria. To be eligible, members must also be at least 18 years of age and be a US citizen or resident alien.
If you meet the above criteria, joining is easy! Simply open a savings account online, with a minimum of $5, then you’ll be able to benefit from our full line of products and services.
How can I earn rewards on my credit card purchases?
Why join Argent?
Will I get offers and discounts with these VISA® credit cards?
Credit Card Resources
VISA® ALERTS
VISA CHECKOUT
VISA STATEMENTS
Related Links
¹Balance transfers, cash advances and equivalents, fees, interest charges, or disputed or fraudulent transactions do not qualify as purchases and will not earn cash rewards. There is no limit to cash rewards, and cash ($25.00 balance or greater) will be automatically distributed to the account statement on a quarterly basis. Membership eligibility required. Offer subject to credit approval. See argentcu.org for details.
²Annual Percentage Rate (APR) for purchases is 15.24% – 18.00%. Annual Percentage Rate (APR) for balance transfers is 17.24% to 18.00%. Annual Percentage Rate (APR) for cash advances is 17.24% to 18.00%.
The APR is a variable rate that will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 6.74% – 15.74%. Maximum rate: 18.00%. The cash advance and balance transfer APRs are variable rates that will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 8.74% – 17.74%. Maximum rate: 18.00%. Subject to credit approval.
³Annual Percentage Rate (APR) for purchases is 13.24% – 18.00%. Annual Percentage Rate (APR) for balance transfers is 15.24% to 18.00%. Annual Percentage Rate (APR) for cash advances is 15.24% to 18.00%.
The purchase APR is a variable rate which will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 4.74% – 13.74%. Maximum rate: 18.00%. The balance transfer and cash advance APRs are variable rates that will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 6.74% – 15.74%. Maximum rate: 18.00%. The APR will be based on your creditworthiness and vary with the market based on the Prime Rate.
41.99 Annual Percentage Rate (APR) is good on balance transfers made within the first 90 days of opening an Argent VISA Platinum Card. This promotional rate is valid for twenty-four (24) months from the date of balance transfer. After twenty-four (24) months the rate on transferred, balances will change to the then-current balance transfer APR consistent with the Cardholder Agreement. No fee for balance transfers. We will not process any balance transfer requests that are from any account or loan issued by Argent Credit Union. In order to benefit from a grace period and avoid additional interest on purchases, you must pay your balance in full by the payment due date. This includes any promotional balance transfers. You may transfer up to your available limit. Please allow up to 10 business days for payment. Argent Credit Union is not responsible for finance or other charges accrued from other financial institutions because payment was not received by their statement due date.
