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Visa® Platinum
Rates as low as
1.99
% APR*
A low interest rate credit card can make big dreams easier
With no annual fee and a great introductory rate, the Visa® Platinum Credit Card fits your life and your budget.
Spending power with a lower rate
No annual fee
Introductory APR as low as 1.99% APR* for the first 12 months on purchases
Variable rates from 12.24% APR* to 18.00% APR*
Contactless payments
Use as overdraft protection for your Monterra checking account
Credit limits from $500 up to $25,000
Our Visa® Platinum Credit Card helps you pay off balances faster
This credit card makes it easy to manage your monthly credit card usage, transfer balances from higher-rate cards and pay down debt. Plus, access exclusive Visa® specials on travel, shopping and entertainment.
Plus, access exclusive Visa® specials on travel, shopping and entertainment:
Additional Protection
Roadside Dispatch®— A 24/7 on-demand referral dispatch network that offers roadside assistance, towing, or locksmith service at any time you require assistance. Learn More
Auto Rental Collision Damage Waiver— Coverage is provided for damage resulting from collision or theft on rental cars. Learn More
*APR = Annual Percentage Rate. Rate effective 1/2/2026. Introductory APR as low as 1.99%APR for the first 12 months on purchases is available only on a new Visa® Platinum Credit Card line of credit and not available on any other offer. Cards carry a variable rate that can change monthly. Introductory offers carry conditions and can change without notice. If applicable, the introductory APR offer will be applied to all purchase transactions posted within the first 90 days of account opening. All loans and credit cards are offered on approved credit. Must be a member in good standing. Please ask a Monterra representative for card details or refer to your Card Agreement for complete card terms and conditions. Membership eligibility requirements apply.