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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. We’ll help you find the one that fits your current needs while helping you reach your future goals.

Bring Your Ultimate Summer Plans to Life

From road trips to backyard renovations, Mirastar is here to uplift your plans. Equip yourself with the purchasing power you need for the sunny days ahead, backed by our most rewarding offer yet.

The Mirastar Visa® Platinum Rewards Card turns your goals into reality with:

  • 0% APR on purchases for your first 6 months from account opening*
  • 10,000 bonus points after spending $500 in 3 months*

Explore what’s possible when you have the flexibility to make summer happen.

Limited time offer: July 1 – September 30, 2026

*Offer valid for new cardholders only. See terms and conditions for details.

Apply now
Limited time offer

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, 14.49%).

APR

14.49%

Variable APR†
Secured Visa Platinum Rewards card

Visa Platinum Rewards

Best if you want…

Earning rewards for future purchases.

0% APR* for 6 months on Purchases made within the first 6 months of account opening (after that, 17.49%), plus spend $500 in the first 3 months of account opening, get 10,000 points.1 Get Dollar-for-Dollar points for all purchases.

 

APR

17.49%

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, 14.49%).

APR

14.49%

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.

Apply online
Apply now
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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

*Introductory Annual Percentage Rate (APR) & Bonus Points Offer Terms: Valid on qualifying purchases made 7/1/2026-9/30/2026 with Visa Platinum Rewards. A 0% APR applies for 6 months from purchase date. Standard Purchase variable APR† applies thereafter. 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® Platinum Rewards cards.

1Mirastar Visa® Platinum and Mirastar Secured Visa® Promotion:

Introductory Balance Transfers: Available exclusively for newly opened Visa® Platinum and Visa® Platinum Secured accounts, this offer provides a 1.99% introductory APR for 12 billing cycles on eligible balance transfers. After the 12-billing-cycle promotional period ends, a variable APR, currently between 14.49% and 17.49%, will apply based on your creditworthiness and the terms of your account. A balance transfer fee of 3.00% applies to the amount of each transfer, and interest begins accruing on the date the transfer is posted to your account. All balance transfers are subject to credit approval, must not exceed your available credit limit, and this promotional offer may be modified or withdrawn at any time.

†Annual Percentage Rates (APRs) as of 03/01/2026: The following APRs apply to Purchases, Balance Transfers, and Cash Advances. These are variable rates and will vary with the Prime Rate. We add a “Margin” to the Prime Rate to determine APRs (demonstrated below). Maximum APR 18% (corresponding to a daily periodic rate of 0.0493%).

  • VISA Share Secured and VISA Platinum: 14.49% APR (Prime Rate + 7.74%)
  • VISA Platinum Rewards: 17.49% APR (Prime Rate + 10.74%)

As of 03/01/2026, the Prime Rate is 6.75%. The daily periodic rate is:

  • 0.0397% for Share Secured and Platinum
  • 0.0479% for Platinum Rewards

 

Additional Information

  • Rates and terms are based on creditworthiness and subject to change. For full terms and conditions, please see the Credit Card Agreement and Application & Solicitation Disclosure.
  • All loans are subject to credit approval and income verification.
  • If you are under 21, you must demonstrate independent ability to repay or apply with a qualified co-borrower who is at least 21 years old.
  • Balance transfer offers apply to U.S.-issued cards only.
  • Visa’s Zero Liability policy does not cover ATM transactions or PIN-based transactions not processed through the Visa network.

 

Fees

  • Balance Transfer – 3.00% of the amount of each balance transfer.
  • Cash Advance – 3.00% of the amount of each cash advance.
  • Foreign Transaction – 2.00% of each transaction in U.S. dollars.
  • Late Payment – $25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
  • Returned Payment – $20.00 or the amount of the required minimum payment, whichever is less.
  • Returned Convenience Check Fee – $25.00 or the amount of the required minimum payment, whichever is less.
  • Card Replacement Fee – $6.00.
  • Document Copy Fee – $15.00.
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