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 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. A foreign transaction fee of 2% of the transaction amount applies. 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
What is loud budgeting?
If you’ve ever turned down plans because they weren’t in your budget or felt like you needed to make up an excuse, you’re not alone.
Enter loud budgeting, a personal finance trend that encourages you to be open about your financial goals and confident about the choices you make with your money.
But what is loud budgeting, exactly? And can talking about your budget actually help you reach your financial goals? Let’s take a closer look.
Loud budgeting explained
Loud budgeting is the practice of openly communicating your financial goals and spending limits instead of feeling pressured to spend money to keep up with others.
The trend gained popularity on social media, encouraging people to make budgeting feel less like something to hide and more like a normal part of everyday life.
At its heart, loud budgeting is about being comfortable saying things like:
- “I’m saving for a house, so I’m skipping this trip.”
- “That’s not in my budget right now.”
- “I’d rather save that money for something I really want.”
- “I’m working toward a financial goal, so I’m going to pass this time.”
There’s no shame in any of those answers. In fact, being clear about your priorities can help you feel more confident about your money.
Why is loud budgeting becoming popular?
Money can be surprisingly difficult to talk about. We may happily discuss vacations, new cars or weekend plans without mentioning whether those things fit into our budgets. Loud budgeting flips that script.
Instead of quietly worrying about whether you can afford something, you can be upfront about your priorities. That can make it easier to stick to your spending plan, and it might even make conversations about money feel less uncomfortable.
It also helps separate “I can’t afford this” from “I’m choosing not to spend my money on this.”
That distinction matters. Your budget isn’t a restriction designed to keep you from enjoying life. It’s a tool that helps you decide where your money can have the biggest impact.
How does loud budgeting work?
Loud budgeting doesn’t require posting your finances online or sharing your income with everyone you know. You get to decide what feels comfortable. Try these simple steps:
1. Know what you’re working toward
Start with your financial goals. Maybe you want to build an emergency fund, pay down debt, save for a down payment or simply have more money left over at the end of each month. A goal gives your budget a purpose.
2. Make your spending plan realistic
Look at what’s coming in and where your money is going. Give yourself room for necessities, savings and the things you genuinely enjoy. A budget that fits your real life is much easier to stick with than one that leaves no room for fun.
3. Communicate your priorities
When friends or family invite you to spend money, you don’t need a complicated explanation. A simple “I’m saving for something important right now” can be enough. Being honest about your priorities may also encourage the people around you to share their own goals.
4. Find lower-cost ways to have fun
Saying no to an expensive activity doesn’t mean saying no to spending time with people you care about. Try a potluck dinner, game night, hike, coffee at home or another activity that fits everyone’s budget. You may find that the best memories don’t require the biggest price tag.
Ready to make your money goals a little louder?
At Solarity, we believe banking should make your life simpler, not more complicated. As a member-owned financial cooperative, we’re here to help you find solutions that fit your life and move you toward your goals.
Whether you’re building your savings, preparing for a major purchase or simply trying to feel more confident about your finances, you don’t have to figure it all out alone.
Your goals are worth talking about. Let’s make them happen.