Cards Built for Your needs

Directions offers three great VISA credit card options to our members. Each is designed to provide convenience, security, and financial flexibility. All cards include no annual fee, no balance transfer fees, and easy online account management.

Credit Card Options

VISA Rewards Credit Card

VISA Rewards

Redeem points earned for rewards using ScoreCard Rewards
Learn More
VISA Cash Back Credit Card

VISA Cash Back

Earn unlimited Cash Back on purchases you make
Learn More
VISA Classic Credit Card

VISA Classic

The perfect choice for those that need to carry a balance on their card
Learn More

Tap-to-Pay and be on your way! 

Directions VISA Credit Cards are contactless

LOOK - find the contactless symbol at checkout

TAP - simply tap your contactless card on the checkout terminal

GO! your payment is processed in seconds!

Choose the Best Option for your Lifestyle

VISA RewardsVISA Cash BackVISA Classic
Rate (as low as)9.99%11.99%7.99%
Annual FeeNoNoNo
RewardsMerchandise, Travel, Games, Gift Cards, Premium Payback and Donations1.5% Unlimited Cash BackNo
Intro Rate (as low as)3.99% for first 6 months3.99% for first 6 months3.99% for first 6 months
Intro Bonus5000 point reward when$3000 purchased in first 90 days$50 cash bonus when $3000 purchased in first 90 days-
Foreign Transactions1% fee1% fee1% fee
Late Payment Fee$25$25$25
Return Payment Fee$25$25$25
Cash Advance FeeNoneNoneNone
Balance Transfer FeeNoneNoneNone
Tools and ResourceseZcard Card and Controls AppeZcard Card and Controls AppeZcard Card and Controls App
VISA Rewards Credit Card

VISA Rewards 

Earn one point for every dollar you spend that you can redeem for:

  • Gift cards
  • Travel
  • Merchandise

Click here to learn more about the awesome rewards that come with our Directions Rewards VISA Credit Card!

Apply Now
VISA Cash Back Credit Card

VISA Cash Back 

Earn unlimited 1.5% Cash Back on every purchase with no annual fees. Enjoy the flexibility to redeem your Cash Back on demand or be issued as an automatic rebate (Monthly, quarterly, semi-annually, or annually). 

Apply Now
VISA Classic Credit Card

VISA Classic

This card empowers our members to take control of their finances by offering a lower rate on balances, helping them save on monthly interest fees. It’s the ideal choice for anyone who needs to carry a balance on their card.

Apply Now

Manage Your VISA Credit Card

Manage your Directions VISA Credit Card online

With online banking, managing your credit card has never been easier.

  • Check statements
  • Make payments
  • Transfer a balance
  • Redeem ScoreCard™ points
Sign into Online Banking and Select Cards

Looking to increase your credit limit?

Click Here to Apply for a Credit Increase

Travel safely

Planning to use your Directions Credit Union VISA® Debit or Credit card while traveling?

Important Phone Numbers

Lost or stolen cards:
1-800-325-3678
1-800-991-4961

24-hour balance hotline:
1-800-237-6211

VISA Secure

When you use your Directions VISA Credit Card, we take care of you. Our cardholders get security for online shopping through VISA secure, 24-hour fraud protection, and we'll be there 24/7 with customer service whenever you need us.