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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. Each card has its benefits, including no annual fees. We’ll help you find the one that fits your current needs while helping you reach your future goals.

Diamond Anniversary Visa Platinum Rewards Credit Card Offer.*

For a limited time, you can earn 17,500 in Bonus Points when you open a new Visa Platinum Rewards Credit Card and make qualifying purchases.*

This isn’t just any credit card offer. It’s our way of celebrating you and our 75-year legacy. As a valued Mirastar member, you’re invited to be part of our Diamond Anniversary Celebration with an exclusive Visa Platinum Rewards Card bonus.

Here’s how you can earn 17,500 bonus points:

  • 10,000 Welcome Bonus Points**

When you spend $500 or more within the first 3 months of opening your Visa Platinum Rewards Credit Card.

  • 7,500 Diamond Anniversary Bonus Points*

When you make your first purchase, now extended between 09/01/2025 and 12/31/2025.

This is our DIAMOND ANNIVERSARY CELEBRATION that rewards YOU for being part of our legacy.

PLUS: Double Your Rewards. Every Adventure. Every Meal. 1

Ready to make your next trip or night out even more rewarding?

With your Mirastar Visa Platinum Rewards Card, you’ll also automatically earn 2X points on the things you love most, travel and dining! 1

  • Simply use your card on qualified purchases from 10/01/2025 to 12/31/20251
  • Earn 2X points for every dollar you spend on flights, hotels, restaurants, travel, and even fast food. 1
  • No limit to how many points you can earn! 1

Other fees may apply. See full disclosures at the bottom of this page for rates, fees and terms.*

Apply now
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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, 15.24%)

APR

14.99%

Variable APR
Secured Visa Platinum Rewards card

Visa Platinum Rewards

Best if you want…

Earning rewards for future purchases.

Spend $500 in the first 3 months of account opening, get 10,000 points.** Get Dollar-for-Dollar points for all purchases.

APR

17.99%

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, 15.24%)

APR

14.99%

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.

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Knowledge is powerful.

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

*Limited Time Diamond Anniversary Points Bonus Offer

To earn 7,500 bonus rewards points, make your first purchase with your new Visa Platinum Rewards Credit Card between 09/01/2025 and 12/31/2025. No minimum purchase limit. Only one 7,500 bonus per new account.

Rewards points are credited at the start of the following month. Terms and conditions apply. See full terms, APR, fees and conditions in the Credit Card Agreement and the Application & Solicitation Disclosure. Offer subject to change. Offer not available to existing Visa Platinum Rewards cardholders.

**Rewards Bonus Offer
To earn 10,000 rewards points, you must make $500 or more in eligible Purchases within the first 3 months from account opening.
Balance transfers and cash advances do not qualify.
Offer not available to existing Mirastar Visa Rewards cardholders.

1Limited Time Earn Double Point for Travel and Dining

This is a limited time offer available from 10/01/2025 to 12/31/2025.

2x Reward Points: You will earn 2 rewards points for every $1 dollar you spend when you make qualified purchases for travel and dining expenses (Car Rentals, Lodging, Transportation Services, Airlines, and Restaurants, Bars and Fast Food). 2x points are based on merchant code and not product. There is no point maximum.

Annual Percentage Rates (APRs) as of 12/01/2025:
The following APRs apply to Purchases, post-introductory 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: 14.99% APR (Prime Rate + 7.74%)
  • VISA Platinum Rewards: 17.99% APR (Prime Rate + 10.74%)

As of 12/01/2025, the Prime Rate is 7.25%.
The daily periodic rate is:

  • 0.0411% for Share Secured and Platinum
  • 0.0493% for Platinum Rewards

Additional Information

  • Rates and terms are based on creditworthiness and subject to change. For full terms, 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 (including introductory Balance Transfers) – 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.

 

 

Disclosures

Annual Percentage Rates (APRs) as of 03/01/2025:
The following APRs apply to Purchases, post-introductory 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).

  • VISA Share Secured and VISA Platinum: 15.24% APR (Prime Rate + 7.74%)
  • VISA Platinum Rewards: 18.00% APR (Prime Rate + 10.74%, capped at 18.00%)

As of 03/01/2025, the Prime Rate is 7.50%.
The daily periodic rate is:

  • 0.0417% for Share Secured and Platinum
  • 0.0493% for Platinum Rewards (maximum rate)

Rewards Bonus Offer
To earn 10,000 rewards points, you must make $500 or more in eligible Purchases within the first 3 months from account opening.
Balance transfers and cash advances do not qualify.
Offer not available to existing Mirastar Visa Rewards cardholders.

Additional Information

  • Rates and terms are based on creditworthiness and subject to change.
  • 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.
  • Rates and terms may change. For full terms, see the Credit Card Agreement and Application & Solicitation Disclosure.
  • 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.
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