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VISA® Credit Cards

It’s good to have options.

That’s why we offer two different VISA® Credit Cards to our members.

The first is our Platinum VISA® Credit Card.

It offers a competitively low rate that you can use for purchases or to transfer balances from other high-rate cards. There are no balance transfer fees, no annual fee and no fees for cash advances, so you can shop with confidence and not worry about sneaky disclosures buried somewhere in the fine print. Click here for more details.

You can also take advantage of great benefits such as:

The second is our PlatinumEdge VISA® Awards Card

This card provides you with all of the same benefits our Platinum card offers, plus you’ll earn Extra Awards® points on every dollar you spend. You can redeem those points for gift certificates or travel-related vouchers. In fact, you can choose from hundreds of retailers, restaurants, hotels, grocery stores, gas stations, airlines, and much more.

Our new awards point redemption catalog is now available. You will need to create a new User ID and password.

Click on the “Create New Account” link and follow the prompts to establish your new sign-in credentials. Please have your Innovations PlatinumEdge VISA® credit card number, SSN, and email on file ready. Once you have completed the form, a Confirmation Code will be emailed to you. Follow the prompts to complete your registration. If you require any assistance during this process, please call 855.854.5493.

Feel free to browse the Extra Awards® catalog and see what awards are awaiting you!

No matter which card you want, or if you have a Platinum VISA® Credit Card and you’d like to upgrade to the PlatinumEdge card, you can apply online, grab an application at any Innovations’ branch, or give us a call at 850.233.4400 or 800.291.6272.

VISA® International Service Assessment

Members who use their Innovations VISA® Debit Card in a foreign country will be assessed a fee of 1% of the total transaction amount. This fee will appear underneath the foreign transaction listed on your statement or account history and will read “VISA® International Service Assessment”. If you have any questions please contact us at 850.249.0482.

Important Notice

If you intend to use your Innovations’ debit and/or credit card when traveling out of state, please contact us at 850.233.4400 first so our fraud monitoring service will not place a block on purchases. This can also be done via Mobile Banking. In addition, you can us the Card Controls feature to turn your cards on or off if they are stolen, lost or otherwise compromised.

Innovations VISA® Cardholder Agreement

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