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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.

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.

Learn more about Extra Awards® Access the Extra Awards® website


This comparison chart can help you decide which Innovations VISA® Credit Card best fits your needs.

Platinum VISA®
PlatinumEdge VISA®
APR* for Purchases, Cash Advances and Balance Transfers
7.50% to 16.75%
8.50% to 17.75%
No Penalty APR
Yes
Yes
No Minimum Interest Charge
Yes
Yes
No Annual Fees
Yes
Yes
No Balance Transfer Fees
Yes
Yes
No Cash Advance Fees
Yes
Yes
Overdraft Protection
Yes
Yes
Instant Issue
Yes
Yes
Earn Extra Awards® Points
Yes
Yes

Ready to get a card?

No matter which card you want, or if you already have a Platinum VISA® Credit Card and you’d like to upgrade to the PlatinumEdge VISA® Awards 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 to get started.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: consumerfinance.gov/learnmore.

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

*

APR = Annual Percentage Rate. The rate you receive is based on your creditworthiness. These rates are accurate as of October 19, 2021.

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