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
Should a business have a savings account?
Thinking about the future? It's smart to consider a dedicated savings account for your business. In today's fast-paced world, having a financial cushion can make a big difference. A business savings account acts as your safety net, helping you tackle unexpected costs and seize growth opportunities. With Solarity by your side, you can navigate the financial landscape with confidence and ease. This article explores why a business savings account is essential, how it can benefit your business and tips to make the most of it.
Why a business savings account is a must
Mixing personal and business finances is like mixing oil and water—not a great idea. A dedicated business savings account keeps things clear and simple. Keeping your savings separate from your day-to-day operating cash gives a clearer picture of what’s available for use now vs. what’s reserved to improve budget discipline and prevent overspending.
Planning ahead is key, and a business savings account helps you do just that. Save for new equipment, future projects or those inevitable slow seasons. Setting clear goals and watching your savings grow keeps you motivated and prepared.
Unexpected expenses? No problem. A business savings account provides a cushion for surprise repairs or increases in operating costs. If you're looking to strengthen your financial foundation, our business savings account is designed to support your success with competitive rates, digital access and personalized service.
Features of a Business Savings Account
Dividend rates and earning potential are two strong reasons to open a business savings account. Solarity offers competitive rates that help your money grow while keeping it accessible through business savings and business money market accounts. It's like putting your money to work!
Be aware of withdrawal limits and potential fees. Most business savings accounts have transaction limits, so planning ahead helps avoid charges. Understanding how your account works makes it easier to manage your cash flow. If your business requires frequent transactions, we also offer business checking accounts that provide the flexibility you need for everyday operations.
You can manage your funds anytime with Solarity’s free online and mobile banking. Transfer money, monitor balances and stay in control from anywhere. When you're running a business, fast and easy access matters.
How to open a business savings account
Opening a business savings account is straightforward. You’ll need your business’s legal documentation, your EIN and personal ID for anyone authorized on the account. To make the process even easier, we offer a helpful business account opening checklist so you can prepare ahead of time and avoid missing key items, if you choose to open an account through Solarity.
Double-check your information before submitting to avoid delays. Once approved, fund your account and start putting your savings plan into action. Avoid common mistakes by reading the account terms and understanding any applicable fees. A smooth start helps you build momentum.
Interested in opening a Solarity business savings account? Call us at 800.347.9222 to start the process today.
Smart tips for managing your business savings
- Set goals that match your business priorities. Whether you’re preparing for growth, buying new equipment or just planning ahead, having clear targets keeps you on track. A mix of short- and long-term goals can give your savings purpose and direction.
- Set up automatic transfers from your business checking account. This makes consistent saving easy and removes the temptation to spend.
- Check your account performance regularly. Review your progress, adjust transfers if needed and keep up with changes in rates or account features. Good management helps keep your business on solid ground.
- Looking for more guidance? Our Business Banking team can help you align your savings plan with your financial goals.
Common FAQs about business savings accounts
- What’s the difference between a business savings account and a checking account?
A savings account is built for long-term growth. It earns dividends (similar to interest at a bank) and has limited transactions. A checking account is designed for frequent use and everyday operations. Keeping them separate helps organize your finances more effectively. - How much should a business save?
Aim to save three to six months’ worth of operating expenses. This safety net can help you handle slow seasons or take advantage of opportunities when they arise. - Are there tax implications for the dividends I earn?
Yes. Dividends are taxable. Keep good records and check with a tax professional to stay compliant and make the most of your savings strategy.
Let’s build your financial future
A business savings account isn’t just a safe place to park your funds, it’s a powerful tool for planning, stability and growth. Whether you're preparing for the unexpected or building toward long-term goals, we’re here to help.
Our team is ready to walk you through the planning process with guidance that fits your business goals. You’ll get the support you need to grow confidently.
You can also explore financing options, lines of credit and commercial lending through Solarity’s business banking services, all built to support your long-term success.
Ready to get started? Connect with a Solarity business banking expert today and begin building a strong financial future for your business.