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More Cheer. More Value.

No annual fees, balance transfer fees, or cash advance fees, just smart holiday spending with our Platinum Cards.

A group of smiling friends sitting at a dinner table taking a selfie.

VISA® Credit Cards

Enjoy more cheer and more value this season with an Innovations Platinum Credit Card. Spend smart and stress-free with competitive rates, no annual, balance transfer, or cash advance fees. Just simple, confident spending wherever the holidays take you.

Platinum VISA® Credit Card

  • Rates as low as 7.50% APR* for purchases, cash advances, and balance transfers.
  • No annual fees, balance transfer fees, or cash advance fees.

PlatinumEdge VISA® Rewards Credit Card

  • Rates as low as 8.50% APR* for purchases, cash advances, and balance transfers.
  • No annual fees, balance transfer fees, or cash advance fees.
  • Earn rewards points on every dollar spent.**
  • Redeem points for gift certificates, travel vouchers, and more from hundreds of retailers and service providers.

Introducing the new Innovations Loyalty Program! As of April 18, 2025, please enroll in the new loyalty program to access your rewards points. Don't worry—you won't lose any of your accumulated awards points. They'll automatically transfer to the new platform.

What You'll Need to Enroll on the New Platform:

• Your email address
• Your Innovations Visa card number
• The last 4 digits of your Social Security Number
• Your postal code

For Our Valued Business Members

Looking to grow your business? Our Business Visa gives you the financial power you need, backed by exceptional service. Contact Tim Burnett, Business Loan Officer, at (850) 249-0671 or tburnett@InnovationsFCU.org, to learn more.

Whichever card you choose, you'll enjoy more cheer at checkout, more value in your wallet, and the confidence to spend smart all season long. Apply for an Innovations Visa Platinum Credit Card today.

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