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.
Fuel Your Journey and Explore What’s Possible
Every mile is an opportunity to discover something new. Whether you are heading out on a summer road trip or simply navigating your daily commute, the Mirastar Visa® Platinum Rewards Card helps you get more out of every stop.
Earn 2x Reward Points* for every $1 spent on the gas that keeps you moving:
- 2x Points on Gas: Power your daily commute and road trips with double rewards on fuel. *
- 10,000 Bonus Points: Earn 10,000 points when you spend $500 within your first 3 months. *
- Unlimited Rewards: No caps on the points you can accumulate during this promotion. *
Explore what’s possible. Turn your summer plans into more rewards and see how far your Mirastar Visa® Platinum Card can take you.
Limited-time offer: May 1 – June 30, 2026
*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, 14.49%)
14.49%
Variable APR†
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.
17.49%
Variable APR† 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, 14.49%)
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
6 Ways to Tell if a Website is Safe
All You Need to Know About Spoofing Scams
Disclosures
-
*Rewards Bonus & Promotional Offers
2x Gas Promotion: Earn 2x reward points (2 points per $1 spent) on qualified gas purchases from May 1, 2026, to June 30, 2026. Reward points are determined by merchant category codes. New and current cardholders are eligible, and there is no maximum limit on the points you can earn during this promotion.
10,000 Bonus Points: This bonus offer applies exclusively to new Mirastar Visa® Platinum Rewards accounts. To earn the 10,000 bonus points, you must make $500 or more in eligible purchases within the first 3 months of account opening. Eligibility & Terms: Balance transfers and cash advances do not qualify as eligible purchases. This offer is not available to existing Mirastar Visa® Platinum Rewards cardholders. Bonus points will be credited to your account at the start of the month following the completion of the spending requirement.
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
- Universal Terms: All offers, rates, and terms are based on creditworthiness and are subject to change. For complete details, including full terms, APRs, fees, and conditions, please refer to 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.