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Credit Cards

Credit cards catered to your lifestyle.

Apply onlineNot a member yet? Join Mirastar.

Low rates, great rewards.

As a Mirastar member you have the option of choosing a Secured Visa, Visa Platinum or Visa Platinum Rewards. Each card has its benefits, including no annual fees. We’ll help you find the one that fits your current needs while helping you reach your future goals.

Find the credit card for you

Visa Platinum

Visa Platinum

Best if you want…

To expand your credit profile.

Introductory 1.99%1 APR Balance Transfers for 12 months on Balance Transfers performed during the first 3 months of account opening (after that, 15.24%2)

APR

15.24%

Variable APR
Secured Visa Platinum Rewards card

Visa Platinum Rewards

Best if you want…

Earning rewards for future purchases.

Spend $500 in the first 3 months of account opening, get 10,000 points.** After that, get Dollar-for-Dollar points for all purchases.

APR

18.00%

Variable APR
Visa Platinum

Secured VISA

Best if you want…

Building credit.

Introductory 1.99%1 APR on Balance Transfers for 12 months on Balance Transfers performed during the first 3 months of account opening (after that, 15.24%2)

APR

15.24%

Variable APR

FAQs

We make it simple, fast and secure to apply for credit cards online.

First, determine which card is right for you. We offer the following cards equipped with Verified by Visa and Visa Checkout for your safety and convenience:

  • Visa Platinum
  • Visa Platinum Rewards

For more information, our Loan Advisors can assist you by simply calling 408-282-0700. Or, apply online in as little as 5-10 minutes.

You should receive your VISA Credit Card, Debit Card (Check Card) or ATM card within 10 business days. If you have not received it within this timeframe, please contact us at 408.282.0700 or 800.282.6212.

Our Secured Visa is best for members who are building their credit (aka: you’re looking to improve your credit or have little to no credit history). This credit card is secured by money you deposit in a savings account. For example, if you make a $500 deposit, you will have that credit limit available on your card. The more you deposit, the higher your spending limit.

Our Visa Platinum is great for expanding your credit profile or credit report. Better yet, we’ve eliminated fees that other card issuers charge. No annual fees, and no over-limit fees – making it one of the best credit card options available today.

Our Visa Platinum Rewards is a great way to earn rewards on your purchases. You earn Dollar-for-Dollar points for all card purchases, receiving more value for your money. Plus, no annual fees. This is ideal for maximizing your spending dollars.

Additional resources

Personal Loans & Lines

Have an unexpected expense, need extra funds or going through a special life event?  We understand life doesn’t always go according to plan, which is why our personal loans or personal line of credit exist for our members.
Learn more

Student Loans

If you’re headed to college soon or planning your educational future, the Smart Option Student Loan® is the ideal solution to help you pay for college expenses not covered by scholarships and federal loans.
Learn more

Apply for a credit card today.

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Understanding how to manage your money shouldn’t be complicated. Here’s a variety of topics designed to build your knowledge so you can make the best financial decisions possible.

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Disclosures

*This is a limited time offer available from (EXTENDED) 03/10/2025 to 04/30/2025. 2x Reward Points: You will earn 2 rewards points for every $1 dollar you spend when you make purchases at grocery stores. 2x points are based on merchant code and not product. There is no point maximum.

**To qualify and receive your bonus of 10,000 rewards points, you must make Purchases totaling $500 or more during the first 3 months from account opening. Purchases do not include balance transfers and cash advances. Offer excludes existing Mirastar Visa Rewards cards.

APR = Annual Percentage Rate. This is a variable rate account. We add a “Margin” of 10.740% to the Prime Rate to determine the VISA Rewards APR for Purchases, Balance Transfers, and Cash Advances (the daily periodic rate is currently 0.0493%); maximum APR 18% (corresponding to a daily periodic rate of 0.0493%).

The rate disclosed above is subject to credit approval and income verification. Rates and If under 21, you must prove financial independence or have a qualified co-borrower over age 21. terms are subject to change. Terms and conditions apply. Refer to the Credit Card Agreement and the Application & Solicitation Disclosure for additional information or visit our website at https://www.mirastarfcu.org/banking/borrow-buy/credit-cards/.

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