Visa Emerald was designed around you. With a great low fixed rate, no annual fee and no balance transfer or cash advance fees, you can start saving money when you get your card. You'll even earn rewards on your purchases.

Visa Emerald Card

Carry the best Visa card available in Chesterfield

When you carry a Visa Emerald card, you’re carrying a card with a variety of benefits designed to help save you money, protect your purchases and make your dollar go further. Visa Emerald truly is the best credit card on the market.

Nowhere else can you find a card with a fixed rate as low as 8.9% APR, with CURewards and a menu of add-on features designed to protect you and give you more value.

Visa Emerald offers cardholders peace of mind with features like Price Protection, Lost Luggage Reimbursement and more! Learn more about all of the insurances and protections available on Visa Emerald at no monthly cost to you.

We also give you the ability to design your own card so you can express yourself. Visa Emerald truly is in a class by itself.

Visa Emerald Benefits

  • No annual fee
  • No balance transfer or cash advance fees
  • Introductory rate of 3.9% APR for 6 months
  • Rates as low as 8.9% APR
  • Earn 1 point for every $1.00 spent with CURewards
  • Check out faster with PayWave contactless technology
  • Keep your card secure with CardLock
  • Express yourself with Design Your Own Card
  • Ten insurances and protections, including price protection
Effective Jan 1, 2017
Credit Cards Intro Rate^ APR* Calculator
Visa Emerald 3.9% 8.9% Calculator
Secured Visa 13.9% Calculator
Click here for pricing information on Visa Emerald.
Click here for pricing information on our Secured Visa.

^ For 6 months
* Annual Percentage Rate. Lowest APR available with qualifying credit.

Applying for a Visa Emerald card online is easy! Just follow these simple steps:

  1. Log-in to your Net24 Home Banking account at the top right corner of this page. If you are a non-member applying for a loan, you can receive a special log-in to apply for your loan and check your status. Eligibility requirements apply. To determine if you are eligible for membership, please visit our eligibility page. If you do not have a Net24 Home Banking account, you can gain instant access here.
  2. On the top navigation bar, click "Apply For A Loan" and select "Web Loan"
  3. Complete the online application with all relevant information.
  4. Your loan will enter our loan queue and you will be contacted by a loan officer within 1 business day.

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