Get more of what you want with a San Diego MyPoint Credit Union VISA® credit card.
Earn points for rewards. Use your credit more securely. Avoid annual fees. Get all of this and more with a MyPoint Credit Union VISA credit card with low interest and no annual fees.
MyPoint Perks Visa
- No Annual Fee
- Low 2.99% APR* Introductory Rate
- Credit line: Up to $50,000
- Travel accident insurance: $200,000
- Account access: 24/7 through MyPoint Credit Union Online
- Automatic payment: Transfer from your Share Account
- Enhanced security: EMV chip card technology
- MyPremium Perks Program: Enroll for FREE to earn points for cash back, travel, merchandise, gifts, and more
Ultra Visa
- No Annual Fee
- Low 2.99% APR** Introductory Rate
- Credit line: Up to $50,000
- Travel accident insurance: $200,000
- Account access: 24/7 through MyPoint Credit Union Online
- Automatic payment: Transfer from your Share Account
- Enhanced security: EMV chip card technology
Student Visa
- Credit line: $300 to $500
- Eligibility: Student 18+ with proof of income or assets
Share Secured Visa
- Credit line: Up to $5,000
- Eligibility: Share Savings Account (balance determines your credit limit)
SmartPay Loan Payments
- Schedule loan payments
- Schedule a one-time payment or recurring payments from another financial institution
- Payments processed prior to 6 p.m. PST will post the same day!
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MyPremium Perks Program
We've upgraded our rewards program! With the MyPremium Perks Program, you can earn rewards on your everyday purchases. From groceries to fuel to utility bills, your everyday purchases will really pay off. Earn 1 point for every $1 spent.
Enroll Today!
Redeem your rewards for cash back, merchandise, gift cards, travel, and much more. To register, view your point balance, or redeem for a reward, be sure to visit our MyPremium Perks Program*** website! The program is free for MyPoint Perks Visa cardholders.
Rates effective October 1, 2025
APR=Annual Percentage Rate
*Low 2.99% APR introductory rate on purchases and balance transfers (posted within the first 120 days from account opening and good for 365 days from account opening). After that, standard purchase and balance transfer APR will be 14.50% to 22.00%.
**Low 2.99% APR introductory rate on purchases and balance transfers (posted within the first 120 days from account opening and good for 365 days from account opening). After that, standard purchase and balance transfer APR will be 12.24% to 19.74%.
***MyPremium Perks Program is administered by a third-party service provider. However, if you are unable to login to your MyPremium Perks Program account, please call MyPoint Credit Union Card Services at 888-495-3400 and select option 3, or email us at cardserv@mypointcu.com.
Platinum Visa cards receive their first three years FREE. Annual fee of $35 is charged on the fourth anniversary of sign-up date. Fee waived with $6,000 minimum annual purchases. Fee waived for MyPoint Perks Visa cards.
Must meet membership eligibility and lending criteria. Visa Application and Solicitation Disclosure
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