Credit Cards
Reap the rewards with your myRewards Visa® Signature Credit Card and Visa® Platinum Card!
Double the rewards, double the Cash Back.*
Use your myRewards Visa® Signature Credit Card or myRewards Business Visa® Credit Card for everyday retail purchases like gas, groceries, dining, and shopping—and earn 2X the points this September. More points mean more Cash Back in your pocket. Plus, enjoy all the rewards with no annual fee.
Not a cardholder yet? Apply today and start turning everyday spending into cash back, gift cards, travel, and more.
Also, earn 10,000 bonus points with $3,000 in purchases during your first 90 days of opening a myRewards Visa® Signature Credit Card.**
*Double points apply to eligible retail purchases made with the iTHINK Financial myRewards Visa® Signature Credit Card or myRewards Business Visa® Credit Card from September 1–30, 2025. Retail double point purchases are qualified if the seller processes the transaction using a retail merchant category code. Point earnings are based on the net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to the Rewards Card. Bonus points will be automatically applied and may take up to two billing cycles to appear. Certain restrictions and exclusions apply. Offer subject to change without notice. Membership and credit qualifications apply.
**A one-time bonus of 10,000 points will be awarded to members who spend $3,000 in purchase transactions within the first 90 days of opening their myRewards Visa Signature Credit Card account. If all qualifications are met, these bonus points will be credited within 30 days of meeting the spending threshold. Transactions such as cash advances or balance transfers do not qualify towards the $3,000 spending requirement. For more details on rewards terms and conditions, please visit ithinkfi.org/myrewards. The bonus point promotion may be removed or changed at any time without prior notice.
Two Credit Cards, One Goal: Your Financial Success
myRewards* VISA® Signature Credit Card Features
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- Earn up to 1% cash back rewards card—1 point for every $1 spent
- Credit limits up to $50,000
- No annual fee
- Points accumulate with eligible purchases (balance transfers and cash advances excluded)
- Track your points and redeem anytime in our Mobile Banking App or Online Banking
- Dedicated member support is available for rewards assistance with Amplify at 866-799-6456****
- No International Service fee
- No Cash Advance or Balance Transfer fees
- 25-Day Grace Period on Purchases
Take advantage of a 0.00% introductory APR on purchases for your first 7 billing
cycles.*** After that, a variable APR of 19.99% –24.99% will apply.
View Variable Rates
VISA® Platinum Credit Card Features
- Credit limits up to $50,000
- No annual fee
- No Cash Advance or Balance Transfer fees
- 25-Day Grace Period on Purchases
Special Balance Transfer offer for balances transferred from another creditor:
Balance Transfer Special
To access this rate, all Balance Transfer requests must be completed by the Credit Union.**
View Variable Rates
Are You Looking For A Business Credit Card?
Turn everyday business expenses into valuable rewards with iTHINK Financial's myRewards* Business Visa® Credit Card.
myRewards Program Disclosures
For more information, please refer to our Credit Card Agreement Learn more about the VISA® Zero Liability Policy
Click here for full Credit Card Disclosures and VISA® Credit Card Account Agreement. Credit subject to approval and income verification. Certain conditions may apply.
*Click Here for Complete Terms and Conditions
**Balance transfers of $500 or more can be processed online. For members with an active iTHINK Financial Visa Platinum credit card, the balance transfer rate is based on your credit rating at the time the card was opened. The loan rate for new cards will be based on the borrower’s creditworthiness. Credit is subject to approval and income verification. Certain conditions may apply. Online Banking transfers and overdraft transfers are processed as Cash Advance transactions and do not qualify as Balance Transfer transactions. Balance Transfer proceeds may not be used to pay down or toward another iTHINK Financial loan or debt.
*** myRewards VISA® Signature Credit Card is for consumers only. Credit subject to approval, terms apply. APR is based on creditworthiness and will vary with the market based on the Prime Rate. APR range depicted, after introductory period ends, is based on current rates and assumes no changes to the Prime Rate. The introductory rate promotion may be removed or changed at any time and without notice. The rates are accurate as of August 2025.
****The dedicated member support provided for the myRewards program is operated by a third-party service and is not affiliated with iTHINK Financial Credit Union. iTHINK Financial is not responsible for the content, availability, or services offered through this support channel.