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
Special 3.99% for 6 months offer*
Take advantage of our intro offer and enjoy a special 3.99% rate for the first 6 months on any of our VISA Credit Cards!
*Click Here for Full Details
Choose the Best Option for your Lifestyle
| VISA Rewards* | VISA Cash Back* | VISA Classic* | |
|---|---|---|---|
| Rate (as low as) | 9.99% | 11.99% | 7.99% |
| Annual Fee | No | No | No |
| Rewards | Merchandise, Travel, Games, Gift Cards, Premium Payback and Donations | 1.5% Unlimited Cash Back | No |
| Intro Rate (as low as) | 3.99% for first 6 months | 3.99% for first 6 months | 3.99% for first 6 months |
| Intro Bonus | 5,000 point reward when $3,000 purchased in first 90 days | $50 cash bonus when $3,000 purchased in first 90 days | - |
| Foreign Transactions | 1% fee | 1% fee | 1% fee |
| Late Payment Fee | $25 | $25 | $25 |
| Return Payment Fee | $25 | $25 | $25 |
| Cash Advance Fee | None | None | None |
| Balance Transfer Fee | None | None | None |
| Tools and Resources | eZcard Card and Controls App | eZcard Card and Controls App | eZcard Card and Controls App |
VISA Rewards
Earn fantastic rewards with a fixed low rate, plus save with Redeem2Erase and Pay with Points features. Earn one point for every dollar you spend that you can redeem for:
- Gift Cards
- Travel
- Merchandise
- 5,000 point reward when $3,000 purchased in first 90 days
Click here to learn more about the awesome rewards that come with our Directions Rewards VISA Credit Card!
Apply Now
VISA Cash Back
Earn unlimited 1.5% Cash Back on all purchases with a low fixed rate.
- No annual fee
- Enjoy the flexibility to redeem your Cash Back on demand or be issued as an automatic rebate (monthly, quarterly, semi-annually, or annually)
- $50 cash bonus when $3,000 purchased in the first 90 days
Click here to learn more about this rare gem that is perfect for the no to low monthly balance carriers
Apply Now
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 and managing higher balances. It's the ideal choice for anyone who needs to carry a balance on their card.
Apply Now
No matter which card you choose, Directions is always the smart choice!
CREDIT CARD NATIONAL AVERAGE*
16.22% - 23.94% INTEREST RATE
$178 ANNUAL FEE
3% - 5% BALANCE TRANSFER FEE
LIMITED CASH BACK
DIRECTIONS CREDIT CARDS
☑ INTEREST RATES STARTING AS LOW AS 7.99%
☑ NO ANNUAL FEE
☑ NO BALANCE TRANSFER FEE
☑ UNLIMITED CASH BACK
*Interest Rate and Annual Fee Data provided by ElitePersonalFinance, Balance Transfer Fee data provided by Bankrate.
How much can you SAVE? Click here to compare how much you can save with a Directions Balance Transfer.
Calculate Savings
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.
