Visa® Signature

Our rewards card turns credit into incredible

Rewards points accumulate quickly when you use the Visa® Signature Credit Card for everyday purchases. 


Explore the possibilities

Earn two Monterra Rewards points for every $1 spent on gas and travel purchases and one point for every $1 spent on everything else

Redeem points for cash back, merchandise and travel deals

No annual or foreign transaction fees

Variable rates from 15.99% - 17.99%APR*


Use as overdraft protection for your Monterra checking account

Credit limits from $5,000 up to $35,000

A truly rewarding experience, without all the fees

And there's even more to love about our Visa® Signature Credit Card:

  • Earn an extra 10,000 Monterra Rewards points when you make $5,000 in purchases within first 90 days**
  • Access exclusive Visa® specials on travel, shopping and entertainment


For Travel and Lifestyle

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

Travel and Emergency Assistance Services — Aids in obtaining medical, legal, and other necessary support in the event of any mishaps during your travels. Learn More

Trip Delay Reimbursement — Provides reimbursement of up to $300 for justifiable expenses acrued from a trip delay exceeding 12 hours. Learn More
Lost Luggage Reimbursement — up to $3,000 for checked/carry-on luggage for lost/stolen luggage. Learn More

Travel Accident Insurance — Offers a maximum coverage of $1 milion for accidental death and dismemberment. Learn More

Auto Rental Collision Damage Waiver— Coverage is provided for damage resulting from collision or theft on rental cars. Learn More

NortonLifeLock — Offers ID Navigator Powered by NortonLifeLock to help protect against identity theft.
Learn More

Dovly — Offers a platform to help users fix, manage, and maintain their credit online for free with their card.
Learn More

Extended Warranty Protection —Offers an extension of up to one year on eligible repair warranties. Learn More

*APR = Annual Percentage Rate. Rate effective 1/2/2024.

**Introductory offer of 10,000 Monterra Rewards points when making $5,000 in purchases within the first 90 days is available only on a new Visa® Signature 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 Monterra Rewards point 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. FICO as well as membership eligibility requirements apply.

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