Credit cards that fit your life
Solarity Visa® puts the power of payment versatility in your hands. Whether you’re on a trip to Greece or a trip to the grocery store, enjoy quick, convenient access to your available credit limit, no annual fee, no cash advance fee and local servicing.*
Platinum Visa
Convenient, easy-to-use line of credit
Share Secured Visa
Ideal for establishing or rebuilding credit
Student Visa
For members ages 15-20
Reasons to love our credit cards
- No annual fee and no balance transfer fee
- No foreign transaction fee, which makes them perfect for travel
- No minimum interest charge
- No cash advance fee and the same rate as purchases
- Visa Account Updater (VAU) to keep transactions seamless
- Visa Secure for peace of mind while shopping online
- Near real-time fraud notifications with Visa Purchase Alerts
- Cash advances at more than 30,000 surcharge-free ATMs nationwide
Credit cards for every type of borrower
Whether you have a long credit history or are looking for a fresh start, we have credit cards to give you the spending flexibility you need.
Platinum Visa
Looking for a straightforward line of credit with a great low rate? Our easy-to-use Platinum Visa card gives you the power to make your next purchase, travel without worry or transfer existing balances from higher rate cards.
Share Secured Visa
If you’re establishing or rebuilding your credit—this is the card for you. To ensure a low rate, secured cards use a security deposit as cash collateral. With the same great features as the Platinum Visa, our Share Secured Visa can help you start improving your credit history.
Student Visa
This card is perfect for younger members who want to establish a positive credit history and learn good money habits. With the same rates and terms as our Platinum Visa, students ages 15–20 are eligible to apply (with an adult co-signer at least 21 years old).
Visa Secure and Visa Account Updater
Visa Secure
Visa Secure (formerly Verified by Visa) simply means you get access to an added layer of protection, keeping your money safer while you are shopping online. When making a purchase from a merchant participating in Visa
Secure, you may be guided through an extra step to confirm your identity. No need to do anything on your part other than follow the prompts. Visa Secure does the work to ensure it’s an authorized transaction.
Visa Account Updater
Visa Account Updater (VAU) automatically sends cardholder data to participant merchants when the card information is updated. It offers a seamless account update process without the need for direct action on
your part. For example, if your phone bill automatically charges to your credit card every month, without the VAU, you would need to update your card info yourself in the event of a new card. With VAU, Visa will send the updated card info to that
merchant for you.
If you do not wish to have your card information automatically sent to participant merchants in the event of a new card, you can opt out by calling 800.347.9222.
Please note: you must opt out before your old card has expired, or within 24 hours of ordering a new card when the old card is lost or stolen.
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Find out moreCommon questions about credit cards
To activate your Solarity debit or credit card, call 833.233.1603 and follow the automated prompts. If you run into any issues or prefer in-person assistance, feel free to stop by your nearest Solarity branch. We're happy to help!
Visa Purchase Alerts is an easy-to-use tool that helps members track spending and identify fraudulent activity early. Customize your alerts by choosing which debit or credit card transactions should trigger a notification and receive near real-time updates via text or email.
It only takes three steps to enroll in Visa Purchase Alerts:
1. Check to see if your Visa account is eligible.
2. Register your mobile device and/or email to receive Visa Purchase Alerts.
3. Choose the notification triggers that match your needs, such as transactions exceeding a set amount and online or international purchases being made.
Visa has developed a program that helps confirm your identity when you make an online purchase. This service helps make shopping online more secure by protecting against unauthorized use of your Visa card. There’s no need to download anything, install software, or register for an account. During an online purchase from your desktop, mobile or other digital device, you may be guided through an extra check to verify your identity. This helps us ensure you’re you and better protects you from fraud.
This service automatically works at checkout at participating merchants. There is no need to download anything, install software or register for your account to get this added layer of protection. When using this service, you may occasionally be prompted at checkout to verify your identity, but this is to ensure you’re you and protect you from fraud.
There is no cost to you for this service! Solarity covers the cost on your behalf to ensure you have this added protection and peace of mind.
Visa® Credit Card Rates
| APR as low as* | Minimum payment (percent of balance) | Maximum limit |
|---|---|---|
| 11.80% | 3% | $50,000 |
Disclosures
*Annual Percentage Rate (APR) accurate as of date shown and subject to change. Rate is dependent on qualification and approval. Special terms and conditions may apply. Rate may be higher based on credit history and term. No annual fee or balance transfer fee. No cash advance fee. Interest on cash advance starts accruing immediately until the balance is paid in full. Late fees will be assessed if a payment is made after the due date.
Helpful articles and information
9 ways to make your outdoor living space cozy and inviting
Your yard is an extension of your home, providing an opportunity to connect with nature and create memorable experiences. Whether you have a spacious backyard or a small balcony, transforming it into a relaxing, welcoming space is achievable with a few key elements and design ideas. Simple changes could allow you to enjoy your outdoor area longer by making it more cozy even during cooler months. Keep reading to discover how you can maximize the potential of your outdoor living space to create an oasis where you can relax, entertain and enjoy the tranquility of nature.
1. Define the Space: Start by defining the area you want to transform into your outdoor living space. It could be a patio, deck or even a corner of your garden. Clearly defining the space lets you plan the layout and design accordingly.
2. Comfortable Seating: Invest in lounging options that encourage relaxation and socialization. Opt for outdoor furniture made with weather-resistant materials such as wicker, teak or aluminum. Cushions and pillows in vibrant colors or patterns add warmth, comfort and visual interest. Consider incorporating a mix of seating options such as lounge chairs, sofas and ottomans to accommodate different activities and preferences.
3. Integrate Shade: During the hottest parts of the day, no one wants to sit in the direct sun. Extend the use of your outdoor living area by adding shade elements into your design. Trees, umbrellas, retractable awnings, pergolas and shade sails are all excellent options to consider. Besides sun protection, shade can also add a cozy and intimate feel to the area.
4. Exterior Lighting: Strategically placed outdoor lighting enhances the appeal of your outdoor space and extends its functionality into the evening hours. Consider a combination of lighting options to create a harmonious balance between practicality and ambiance. Pathway lights guide guests and illuminate walkways, while string lights or lanterns add a magical touch to outdoor dining and lounging areas. Spotlighting specific landscape features, such as trees or architectural elements, adds depth and visual interest. Additionally, solar-powered lighting provides an eco-friendly and cost-effective solution.
5. Outdoor Cooking and Dining: Enhance your outdoor experience by including a cooking and dining area. Install a grill, cook top or outdoor kitchen if space permits. A dining table and chairs provide a comfortable, designated spot for meals and gatherings. Add a shade structure or an umbrella to create a cozy entertaining environment.
6. Outdoor Firepit: A firepit is often the centerpiece of any outdoor living space, creating an inviting atmosphere. It provides warmth, ambiance and a focal point for gatherings with family and friends. Choose a firepit that suits your style, whether it's a traditional wood-burning pit or a convenient gas-powered option. Incorporate comfortable seating around the firepit to encourage conversation and relaxation. A firepit has the added advantage of keeping the chill at bay on cooler evenings.
7. Incorporate Nature: Add natural elements to bring life and warmth to your outdoor space. Potted plants, flowers and small trees can create a relaxing, outdoor oasis that invites guests to linger. Natural materials such as stone, wood or bamboo can draw people in and reinforce the feeling of being in nature.
8. Privacy and Screening: Create a sense of privacy and seclusion with fences, trellises, privacy screens or tall plants. These elements can help block unwanted views, reduce noise and create a more intimate space. You can also use outdoor curtains or pergola drapes for additional privacy and a touch of elegance.
9. Textiles and Accessories: Finally, add cozy accessories to complete the space. Outdoor rugs, throw blankets and decorative pillows can instantly transform your outdoor area into a comfy retreat. Choose weather-resistant fabrics and materials that can withstand the elements.
By incorporating a few key features, you can transform your outdoor living space into a haven of relaxation and tranquility. Remember to regularly maintain your exterior areas by cleaning furniture, refreshing cushions and tending to plants. Additionally, adapt the design and accessories according to the seasons to make the space inviting year-round.
Creating a cozy and inviting outdoor oasis lets you extend your living area and enjoy the beauty of nature. With careful planning and attention to detail, you can create a comfortable space that reflects your personal style and enhances your overall outdoor experience.