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.
Find the credit card for you
Visa Platinum
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%).
14.49%
Variable APR†
Visa Platinum Rewards
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.
17.49%
Variable APR† Secured VISA
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%).
14.49%
Variable APR†Apply 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.
5 Amazon Scams You Need to Know About
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Disclosures
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†Annual Percentage Rates (APRs) as of 03/01/2026: 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: 14.49% 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.