Credit Cards
Credit cards catered to your lifestyle.
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.
Get a 1.49% APR* Balance Transfer to Lower Your Interest Rate.
Transfer high-rate balances to a Mirastar Visa Credit Card today and enjoy this low introductory 1.49% APR for the next 12 months.*
Start saving money and paying down debt faster!
Stop paying high interest and start saving sooner with a Mirastar Visa Platinum, Mirastar Visa Platinum Rewards Card or Mirastar Visa Secured Card.
Transfer your balance to a Mirastar Visa Credit Card today and pay down debt faster! Hurry! Limited-time Offer ends April 30, 2026. Apply now to lock in your savings.
After the intro period, standard variable rates apply. See full terms below. Offer valid for new cardholders only. See terms and conditions for details.
Find the credit card for you
Visa Platinum
To expand your credit profile.
Introductory 1.99%* APR Balance Transfers for 12 months on Balance Transfers performed during the first 3 months of account opening (after that, 14.74%)
14.74%
Variable APR1
Visa Platinum Rewards
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.
17.74%
Variable APR1 Secured VISA
Building credit.
Introductory 1.99%* APR on Balance Transfers for 12 months on Balance Transfers performed during the first 3 months of account opening (after that, 14.74%)
14.74%
Variable APR1Apply for a credit card today.
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
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*Introductory Balance Transfers
* APR = Annual Percentage Rate. Enjoy a 1.49% APR for 12 billing cycles on balance transfers made between February 1, 2026, and April 30, 2026, to your Visa® Platinum, Visa® Platinum Secured, or Visa® Platinum Rewards credit card account. After the promotional period ends, a variable APR, currently between 14.74% to 17.74%, will apply based on your creditworthiness and the terms of your account. A balance transfer fee of 3.00% of the amount of each transfer applies. Balance transfers are subject to credit approval and must not exceed your available credit limit. Interest begins accruing on the date the balance transfer is posted to your account. This promotional offer is available to qualifying cardholders and may be modified or withdrawn at any time. Other restrictions may apply. See full terms and conditions in the Credit Card Agreement and the Application & Solicitation Disclosure. Offer subject to change.
**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. 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.1Annual Percentage Rates (APRs) as of 01/01/2026:
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: 14.74% APR (Prime Rate + 7.74%)
- VISA Platinum Rewards: 17.74% APR (Prime Rate + 10.74%)
As of 01/01/2026, the Prime Rate is 7.00%.
The daily periodic rate is:- 0.0404% for Share Secured and Platinum
- 0.0486% 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.