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R1 Visa® Platinum Credit Card

The R1 Visa® Platinum Credit Card provides you with the convenience of a credit card with the security of a great rate.

Enjoy the Power of Platinum


We have added new benefits to our Platinum cards. We think our members deserve something they can count on and the combination of better security and even more benefits make our cards a cut above the rest.


No Annual Fee

Simple and hassle-free to help you keep more of your own money.


No Balance Transfer Fee

Transfer your other card balances to this one and keep everything in one place.


Competitive Everyday Rate

We offer competitive rates so you are always saving.


No Cash Advance Fee

Access your credit card balance by requesting a cash advance.


Balance Transfer Rate

All balance transfers receive the low rate of 7.77% APR for the life of the balance transferred.


Secure Credit Card

Our Visa® Platinum Credit Card is also available as a secured card. This is a great way to establish loan history and build credit without the worry of a negative loan.

Contact Our Team

Interested in applying? Start your application online or contact us by phone.

Apply Now

Business Call Us 800-375-3674

Secure Credit Card


Our Secure Credit Card is a credit-building tool with a backup. Many times the start of bad credit begins with a credit card. Take the liability out of this equation by starting with a secured loan.

How It Works

Typical credit cards allow borrowers to use unsecured credit provided by their financial institution as a payment method on purchases. The secured card requires a cash deposit as collateral on a Secured Credit Card.

For example, when the account is backed with $500 as secured collateral, it is frozen in the account. In turn, the member can use a maximum of $500 on their card.


Establish a loan history and build credit without the worry of a negative loan.

  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • Low, competitive fixed rate
  • 7.77% APR on balance transfers


The primary function of a Secured Credit Card is to be used as a training tool until the member is ready for an unsecured card. It is also great for building positive credit and payment history.
This card can be used just like any regular credit card and accepted at any retailer that allows Visa® purchases.

You may also be interested in:

Personal Loans

Get the funds you need with simple financing terms that fit your budget.

Learn More

Consolidate high-interest debt or pay for unplanned expenses. Get quick access to funds—as soon as the next business day—and enjoy low, fixed monthly payments.

Line of Credit

Get the flexibility to receive funds when you need it the most.

Learn More

Easily manage changes in your monthly cash flow. Advance funds to your checking account as needed. Get a low, APR and only pay interest on the money you borrow.

R1 Rewards Visa® Signature Credit Card

Convenience of a Visa® Credit Card, with rewards for your purchases.

Learn More

Whether you’re paying for everyday expenses or making larger lifestyle investments, each purchase you make earns you 1.5%1 cash back.

Ready to Get Started?

Apply Online

Use our easy online application process to get started right away.

Apply Now

Apply in Person

Visit any of our locations to start the process of your new loan.

Find a Branch

Apply by Phone

Questions? Call us anytime to speak with a specialist.



Annual Fee None
Replacement Card $5.00
Minimum Payment Due 2.5% of balance or $20.00 minimum
Transaction Fees
Balance Transfer None
Cash Advance None
Foreign Transaction 1.00% of each transaction in U.S. dollars
Penalty Fees
Late Payment If we do not receive the required minimum payment within 10 days of the payment due date, you will be charged a late payment fee of $25.00
 Over-the-Credit Limit None
 Returned Payment Up to $25.00

APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Restrictions may apply; see credit union for details.

© 2023 Resource One Credit Union. All rights reserved.

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Federally insured by NCUA.

Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.