You deserve a financial partner that provides smart, secure products built around your unique needs. With Directions' new lineup of competitive credit cards, you can save more thanks to low rates and no annual fees, stay protected with 0% fraud liability and app features like activity alerts and card lock options, and get rewarded through unlimited cash back, valuable rewards, and instant savings. Whether you're managing everyday expenses or planning for bigger goals, Directions is here to help you meet today's needs while investing in your future.
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