VISA® Credit Cards


For a limited time, enjoy:
0% APR for the first 6 months,
no balance transfer fees,
and 1% cash back on future purchases.

Don’t miss out on these exclusive benefits – it’s our way of saying
thank you for being a part of our journey.

Do more with Visa.

Travel more. Create more. Experience more. Explore more. Relax more. Share more. See more.

What’s your more?

Whatever your “more” looks like, we want you to achieve it. With no annual fee and a low fixed rate, you can do more…a lot more…without the heavy interest!

  • 0% APR for 6 months
  • No annual fee
  • Fixed-rate as low as 10.90% APR* after the first 6 months

Life’s short. Do more with VISA.

 One Vision Credit Union (OVCU) membership is required. Offer not valid on existing VISA credit cards or refinancing of loans with OVCU. Must be at least 18 years of age and a guarantor may be required for applicants under 21 years of age. VISA subject to application and credit underwriting. Fees, terms, & conditions may apply. Rates based upon credit worthiness. Earn 1% cash back rewards on all OVCU VISA credit card purchases. Cash back rewards will be earned based on your qualifying monthly net purchases (purchase minus returns and/or other related credits) and deposited into your OVCU rewards savings account monthly. Limited to accounts in good standing and not past due. Other restrictions may apply – please visit or call OVCU for complete details. Special Promotional – 0.00% APR for first seven (7) months of VISA account opening and no balance transfer fee available for limited time only. After seven (7) billing cycles APR will be 10.90% or 16.90% based on approved credit. Member will receive one entry to win a 70” TV per approved loan. Winner of the promotional prize(s) will be notified by phone or email within 72 hours of end of promotion. Prize(s) may be taxable and reported on IRS Form 1099. Promotion is subject to change or end at any time. Federally Insured by NCUA. Offer expires March 31, 2024. 

Pay the Mobile Way with your One Vision Debit Card in Your Mobile Wallet!

Now you can enjoy all the benefits of your One Vision Visa Rewards Credit Card, with the convenience of your smartphone’s Digital Wallet App (Apple Pay, Google Pay, Samsung Pay*).

Digital Wallets are a secure, convenient, and fast way to pay with One Vision Rewards Visa card. You can use it when making a purchase in most stores, apps, and online. And now with Apple Pay, Google Pay and Samsung Pay, we offer more ways for you to pay.


  • A faster, more secure way to make purchases at your favorite stores and participating apps. New stores, apps and payment locations are being added all the time.
  • Your card number is never used for the transaction.
  • Digital Wallets are secure. Your fingerprint, pin or face verifies payments.

Simply add your One Vision Visa Rewards Credit Card to your Digital Wallet App for quick convenient & secure in-person and in-App purchases wherever you see the Digital Wallet icons.

Here’s How:

  1. Open or download your Digital Wallet App. Use the App to scan your card(s) or take a photo with your device’s camera.
  2. Follow the prompts to add & secure your One Vision Rewards Visa Credit Card to your Wallet.
  3. One Vision will securely verify your card(s) information.
  4. To use – hold your phone (or Apple Watch) to the card terminal as indicated, and your payment will be processed!

Fast. Convenient. Secure. The new, mobile way to make purchases with your One Vision Rewards Visa Card.

Mobile wallets can be used wherever you see these logos:

Click Pay Apply Pay Google Pay Samsung Pay

Questions? Call us 812-945-4600

Available on participating smartphone models, through most major carriers.

Wallet app must be active on your device to use Apple Pay, Apple, iPhone, Apple Watch, and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Google Play is a trademark of Google LLC. Samsung Pay is only compatible with select cards, carriers, and Samsung devices. See for compatibility. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung electronics co., Ltd. One Vision Federal Credit Union does not provide, endorse, nor guarantee any third-party product, service, information, or recommendation listed above. The third parties listed are not affiliated with One Vision Federal Credit Union and are solely responsible for their products and services. All trademarks are the property of their respective owners.

We get it, not everyone has perfect credit.

Our Secured Visa® Card gives you a low rate, the purchasing ability you need, and the chance to build or rebuild your credit. In addition, you can enjoy the same cash back rewards as our regular Visa.

Minimum Credit Limit $300.00
1% Cash back on ALL purchases
Fixed rate of 10.90% APR
No annual fee

How It Works:

Visa Secured Card allows you to use your funds in a savings account as “collateral” to secure this credit card. Deposit collateral money in your membership savings account (before submitting your application) to back your spending. Once approved, we’ll hold your deposit in your account as your card’s credit limit. As you use your card, you’ll earn rewards just like any other credit card, while also earning dividends on your deposit—just like any other savings account.

Everyone needs the power of Visa and our secured card provides just that.

Earn 1.0 % cash back on all Credit Card purchases. Cash back will be earned based on your qualifying monthly net purchases (purchases minus returns and/or other related credits). Limited to accounts in good standing & not past due. Rewards will be automatically deposited in to your One Vision Savings account monthly. APR – Annual Percentage Rate. A guarantor may be necessary for under 21 years of age. Other fees, terms & conditions may apply.

Secured Visa Credit Card – Impact on your credit may vary, and some users’ scores may not improve as credit scores are independently determined by credit bureaus based on a number of factors. One Vision Credit Union will report your transactions to Transunion®, Experian®.