woman paying with her Peach State credit card
Peach State Visa Credit Cards!

The Smart Way
to Pay

View Rates

Start Your Visa Application Today

Have a loan in progress? Check Application/Loan Status

Low Interest Credit Cards With Rates That Haven't Changed

At Peach State we haven't raised our Visa Credit Card rates in over 20 years!1 We offer a variety of credit card options to fit your lifestyle with rates as low as 6.9% APR and 0% for six months on all new purchases and balance transfers!2

For all current Visa Credit Card rates and fees, please visit our Credit Card Disclosures page.

  • Fee-FREE Balance Transfers Transfer your balance from other higher-rate cards without a fee and start saving today!
  • Fee-FREE Cash Advances Use your available credit any way that's convenient – you can count on us for great rates!
  • No Annual Fees You'll never be charged an annual fee! And you'll enjoy a 25-day grace period on all purchases.
  • Emergency Card Replacement Lost your card? We'll get you a replacement quickly! We also offer emergency cash disbursement.
  • Real-Time Transaction Alerts Never miss a beat when managing your card with important alerts and notifications.
Apply Now
Woman shopping online with her Peach State Credit Card

To Report a Lost or Stolen Visa Credit Card

Call: 800.325.3678
24 hours a day/7 days a week
 

Visa Credit Cards to Fit Your Life

We offer a variety of Visa Credit Cards that offer low rates and no annual fees. Some cards also include rewards. 

For all current Visa Credit Card rates and fees, please visit our Credit Card Disclosures page.

Apply Now

* APR – Annual Percentage Rate. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. A $15 application fee is charged for processing. Subject to credit approval.

Visa Credit Card Rates

Low Rate Visa Platinum
(No Rewards)
Visa Platinum
with Rewards
Student Visa Platinum
with Rewards
Low Rate Visa Platinum
(No Rewards)
6.9% APR*
Visa Platinum
with Rewards
8.9%-12.9% APR*
Student Visa Platinum
with Rewards
14.9% APR*
Low Rate Visa Platinum
(No Rewards)
No Annual Fee
Visa Platinum
with Rewards
No Annual Fee
Student Visa Platinum
with Rewards
No Annual Fee
Effective August 19, 2022

* APR – Annual Percentage Rate. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. A $15 application fee is charged for processing. Subject to credit approval.

Visa Credit Card Options

  • Platinum A+

    Platinum A+

    This is our lowest rate Visa Credit Card. 

    • No Penalty APR
    • No Annual Fee
    • Free Balance Transfers
    • Fee-free Cash Advances
    • Auto Rental Collision Damage Waiver (Secondary)
    • Emergency Card Replacement
    • Emergency Cash Disbursement
    • Real-Time Transaction Alerts

    For current rates and fees visit our Credit Card Disclosures page.

  • Platinum A+ with Rewards

    Platinum A+ with Rewards

    This Visa Credit Card offers a great rate and the ability to earn rewards.

    • No Penalty APR
    • No Annual Fee
    • Free Balance Transfers
    • Fee-free Cash Advances
    • Auto Rental Collision Damage Waiver (Secondary)
    • Emergency Card Replacement
    • Emergency Cash Disbursement
    • Real-Time Transaction Alerts

    For current rates and fees visit our Credit Card Disclosures page.

  • Platinum A with Rewards

    Platinum A with Rewards

    This Visa Credit Card offers a great competitive rate and the ability to earn rewards.

    • No Penalty APR
    • No Annual Fee
    • Free Balance Transfers
    • Fee-free Cash Advances
    • Auto Rental Collision Damage Waiver (Secondary)
    • Emergency Card Replacement
    • Emergency Cash Disbursement
    • Real-Time Transaction Alerts

    For current rates and fees visit our Credit Card Disclosures page.

  • Platinum with Rewards

    Platinum with Rewards

    This Visa Credit Card offers a solid rate option and the ability to earn rewards.

    • No Penalty APR
    • No Annual Fee
    • Free Balance Transfers2
    • Fee-free Cash Advances
    • Auto Rental Collision Damage Waiver (Secondary)
    • Emergency Card Replacement
    • Emergency Cash Disbursement
    • Real-Time Transaction Alerts

    For current rates and fees visit our Credit Card Disclosures page.

  • Student Platinum with Rewards

    Student Platinum with Rewards

    This Visa Credit Card is designed for younger members who are building their credit and still want to earn rewards as they spend. The minimum age is 18. A guarantor may be necessary if your annual income is not sufficient for repayment.

    • No Penalty APR
    • No Annual Fee
    • Free Balance Transfers
    • Fee-free Cash Advances
    • Auto Rental Collision Damage Waiver (Secondary)
    • Emergency Card Replacement
    • Emergency Cash Disbursement
    • Real-Time Transaction Alerts

    For current rates and fees visit our Credit Card Disclosures page.

Platinum A+

This is our lowest rate Visa Credit Card. 

  • No Penalty APR
  • No Annual Fee
  • Free Balance Transfers
  • Fee-free Cash Advances
  • Auto Rental Collision Damage Waiver (Secondary)
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Real-Time Transaction Alerts

For current rates and fees visit our Credit Card Disclosures page.

Platinum A+ with Rewards

This Visa Credit Card offers a great rate and the ability to earn rewards.

  • No Penalty APR
  • No Annual Fee
  • Free Balance Transfers
  • Fee-free Cash Advances
  • Auto Rental Collision Damage Waiver (Secondary)
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Real-Time Transaction Alerts

For current rates and fees visit our Credit Card Disclosures page.

Platinum A with Rewards

This Visa Credit Card offers a great competitive rate and the ability to earn rewards.

  • No Penalty APR
  • No Annual Fee
  • Free Balance Transfers
  • Fee-free Cash Advances
  • Auto Rental Collision Damage Waiver (Secondary)
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Real-Time Transaction Alerts

For current rates and fees visit our Credit Card Disclosures page.

Platinum with Rewards

This Visa Credit Card offers a solid rate option and the ability to earn rewards.

  • No Penalty APR
  • No Annual Fee
  • Free Balance Transfers2
  • Fee-free Cash Advances
  • Auto Rental Collision Damage Waiver (Secondary)
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Real-Time Transaction Alerts

For current rates and fees visit our Credit Card Disclosures page.

Student Platinum with Rewards

This Visa Credit Card is designed for younger members who are building their credit and still want to earn rewards as they spend. The minimum age is 18. A guarantor may be necessary if your annual income is not sufficient for repayment.

  • No Penalty APR
  • No Annual Fee
  • Free Balance Transfers
  • Fee-free Cash Advances
  • Auto Rental Collision Damage Waiver (Secondary)
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Real-Time Transaction Alerts

For current rates and fees visit our Credit Card Disclosures page.

decorative chevron pattern
Middle aged african american woman siles while holding cc and packing

THE BEST REWARDS CREDIT CARD

Our Rewards Cards Will Make You Smile

When you open a Visa Rewards Credit Card at Peach State, we'll automatically enroll you to earn bonus points.

  • With ScoreCard Rewards, you earn one bonus point for every dollar spent in net retail purchases.
  • Travel rewards include options for purchasing air miles!
  • You can browse online and redeem your rewards at your own convenience.
  • Visit www.scorecardrewards.com for more information.
  • We also offer a low-rate Visa Student Platinum Card3 with rewards. 

3 Minimum age is 18. A guarantor may be necessary if your annual income is not sufficient for repayment. 

Apply Now
Healthy Credit Card Habits to Start Now Checklist Cover Clear Background

The Credit Card Tips You Need!

Healthy Credit Card Habits to Start Now [Checklist]

If you're a first-time credit card user, an experienced credit card user, or someone who suffered a credit score setback, following our Healthy Credit Card Habits Checklist can improve your financial situation and keep your finances on track.

Testimonial

Share Your Story
Friendly and knowledgeable staff. The savings account rates are very competitive.
 
- Leonard L.
 
Great member  service. Quick and easy car loan process, and I like the ease of use of the mobile banking app. 
 
- Chad M. 
 
You have helped me get money back from fraud charges and your staff are polite and efficient!
 
- Edwin M.
 

Frequently Asked Questions

These are a few of the commonly asked questions about our Visa Credit Cards.
For even more FAQs, check out our Member Knowledge Base.
How do I report fraud or dispute a transaction on my Peach State Visa Credit Card?
To report credit card fraud or dispute a transaction, please contact our card processor directly at 800.299.9842 for assistance.
Read More
How do I report my Peach State Visa Credit Card lost or stolen?
If you’ve lost your credit card or it’s been stolen, it’s important to notify us immediately to protect yourself from potential fraudulent activity...
Read More
How do I increase my Visa Credit Card limit?
Peach State will need to update your application to process a limit increase or upgrade your card type. Here's how...
Read More
Member Knowledge Base
Disclosures
How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).” This information can be found in the Peach State Credit and Charge Card Disclosures for Annual Percentage Rates. To find out what may have changed since then or to obtain a copy of the Agreement, call 678.889.4328 or 855.889.4328.
 
1 Rates are subject to change. 
 
2 APR – Annual Percentage Rate. The 0% introductory APR applies to purchases, cash advances and balance transfers. Offer applies to new Visa Credit Card accounts only and may expire at any time; does not apply to account upgrades. If you are upgrading from a rewards card to a non-rewards card, then your points will expire at the time of the upgrade. The 0% APR is effective for the first six statement periods following the opening of your account. The APR will return to the annual percentage rate of your approved card type after the promotional period, or if you fail to make a minimum periodic payment during the promotional period within 60 days from the due date for that payment. Rates range from 6.9% to 14.9%. A $15 application fee is charged for processing. Subject to credit approval.
 
3 Minimum age is 18. A guarantor may be necessary if your annual income is not sufficient for repayment.
 
* Refer to the Peach State Credit and Charge Card Disclosures for Annual Percentage Rates. Peach State will determine card type and limit based on application information and credit history.