Cash back credit cards can be a great option, but it all depends on your financial habits and goals. These cards offer a certain percentage of cash back on purchases made with the card, which can help you save money on everyday expenses.

This type of card is especially useful if you pay your balance in full every month, as you can avoid interest charges on outstanding balances. However, if you don’t pay your credit card balance in full, the interest charged on the outstanding balance will likely outweigh the cash back you earn.

Moreover, cash back credit cards typically have higher interest rates than other types of cards. Therefore, if you plan on carrying a credit card balance, you may be better off looking for a card with the lowest possible APR, such as a VISA® Platinum.

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.

Open a VISA® Cash Rewards. Then, every time you use it to make a purchase you’ll get 2% cash back. It doesn’t matter if you use your VISA® Cash Rewards to make a big purchase or for everyday spending, you still earn cash back every time you use it.

When you join Argent, you’re joining a member-owned nonprofit that’s controlled by a board of directors who are elected by their fellow credit union members.

We aren’t beholden to outside stockholders, so all of our profits go right back to our members through our lower fees and interest rates, and in higher account dividends.

As an Argent member, you’ll be able to take advantage of our low interest rates on loans and higher dividends on accounts.

Additional benefits include free notary services, as well as scholarships and other perks.

In addition to the benefits already mentioned, you’ll also have exclusive access to a variety of offers and deals, such as food and wine, shopping, sports, entertainment, and more.

Visa Discounts