Credit Cards

Low Fixed-Rate Visa® Credit Cards with Rewards

Discover credit cards that offer more—low fixed rates, local support, and great rewards. Whether you're building credit, managing everyday spending, or looking for flexibility, NESC Credit Union has the right Visa® card for you. Experience dependable rates and real value with every swipe.

Credit Cards at a Glance

We offer three Visa® credit cards to fit your financial goals: the Platinum Visa with our lowest rate, the Classic Visa for reliable everyday use, and the Credit Builder Visa designed to help you build or rebuild credit.

Platinum Visa® Credit Card

Up to $15,000 limit with a low fixed rate of 9.90% APR. Great for everyday spending and bigger purchases—plus you’ll earn rewards on every transaction.

Classic Visa® Credit Card

Fixed rate of 12.50% APR with credit limits up to $5,000. A solid choice for members looking for reliable purchasing power and great value.

Credit Builder Visa® Credit Card

A secured card designed to help establish or rebuild credit, with limits up to $2,500 and a fixed 12.50% APR. Earn rewards while building your financial future.

Visa Classic Credit Card

The Visa Classic Credit Card is a smart, budget-friendly option with a low fixed rate of 12.50%, rewards on everyday purchases, and flexible spending limits up to $5,000. Ideal for managing monthly expenses.

Apply for a Classic Credit card

Visa Platinum Credit Card

The Visa Platinum Credit Card features our lowest fixed rate, 9.90% APR, generous rewards, and limits up to $15,000. Designed for members who carry a balance or want more flexibility.

Apply For a Platinum Visa Card

Visa Credit Builder Credit Card

The Visa Credit Builder Card helps you establish or rebuild credit with a secured limit up to $2,500 and a fixed 12.50% APR. Earn rewards while building financial confidence—backed by NESC support.

Apply for a Credit Builder Card

FAQs About NESC Credit Union Credit Cards

What types of credit cards does NESC Credit Union offer?

We offer Classic, Platinum, and Credit Builder Visa® credit cards—each with low fixed rates, rewards, and no hidden fees.

Are NESC Credit Cards fixed or variable rate?

All of our credit cards offer low, fixed interest rates, so you always know what to expect. If you're asking, “What is the best credit card with a fixed rate?”—we’ve got you covered.

Can I earn rewards with NESC credit cards?

Yes! Every card earns points through CU Rewards, redeemable for cash back, travel, merchandise, and more.

Can a credit union credit card help build credit?

Yes! Our Credit Builder Visa® Credit Card is designed for just that. If you're wondering, “How do I build credit with a credit union card?”—this is a great place to start.

Is there a secured credit card option available?

Yes. Our Credit Builder Visa® Credit Card is a secured option designed to help you build or rebuild credit.

Can I use my NESC Credit Card with Apple Pay or Google Pay?

Absolutely. Our Visa® credit cards work with all major digital wallets for fast, secure mobile payments.

Where can I find your credit card rates?

You can view our current credit card rates—including purchases, balance transfers, and cash advances—on our Current Rates page. All of our cards offer low, fixed rates with no surprises.

Refer your friends and family to NESC!

Refer a friend, family or coworker to join the NESC family and you could both receive $100.

Refer-a-Friend Program