And here’s the best part.

There are no annual fees, no balance-transfer fees, no cash-advance fees, and no foreign-transaction fees to cut into your rewards.  

Managing your points is effortless too. Just log into Online Banking or Mobile Banking to see your balance and redeem rewards whenever you're ready.

Apply Now
a woman sitting on a ledge holding a camera
Highlights
  • Earn 1 Rewards Points on every dollar spent, redeemable as travel, cash, retail gift cards or merchandise.
  • Visa’s® Zero Liability Protection against unauthorized transactions
  • No annual fees
  • No foreign transaction fees
  • No balance transfer fees 
  • No cash advance fees
  • Cash advances at same rate as purchases
  • Overdraft coverage for your checking account

Star One Credit Cards at a glance
 

Visa® Signature Rewards

The only credit card you'll ever need.

8.75% APR. Earn 1.5 points on every dollar spent.

Visa® Platinum Rewards

Exceptional service and perks you've come to expect.

8.75%-12.75% APR. Earn 1 point for every dollar spend.

Visa® Platinum Best Rate

With no Rewards program attached to this card, we pass the savings on to you.

7.75%-13.75% APR. 

Frequently Asked Questions

Guide to your Visa® Platinum Rewards Card Questions

Star One Rewards Program is a rewards program offering points on qualifying purchases. Rewards Points can be redeemed for items, such as e-gift cards/plastic gift cards, airfare, hotels, cash, merchandise, and travel packages. See full Rewards Program Terms and Conditions HERE.

You must have been approved, received, and activated a Star One Credit Union Visa® Platinum Rewards or Visa® Signature credit card to be eligible for the Star One Rewards program. Once your card is activated, you will automatically earn Rewards Points with your purchases.

Every time you use your Star One Visa® Signature Rewards card, you will earn one and a half (1.5) points for every dollar spent in purchases. Visa® Platinum Rewards card holders will earn one (1) point for every dollar spent in purchases.

  • In Online Banking, on the accounts page locate your credit card account, click on the ‘Rewards Points' link. Click on 'Redeem/View' from the pop-up window to access the rewards website.
  • In Mobile Banking, tap on "Cards", tap "Credit Cards" from the top menu, and tap the skewer menu (vertical 3 dots) next to the name of the credit card and tap on the "View/Redeem Rewards Points."
  • Call 1-866-352-1064 to talk to one of our Rewards Contact Center Representatives.

No.

Yes. Reward Points are good for 5 years through the end of the month from the date earned.

Yes. You may gift your Rewards points to other Star One Rewards Accounts and/or Participants. Gifting points is free. You can enter up to a maximum of 50,000 points to gift per transaction. Gifted points carry the same expiration date. They are available for redemption 5 years through the end of the month from the date gifted. A gift point transaction may take up to three business days to process.

Yes. Either the primary or joint accountholders may redeem Reward Points for any rewards.

We encourage you to redeem your Rewards Points prior to your closing the account. Otherwise, you will lose all Reward Points.

Reward Points are posted to your account daily.

Rewards Representatives are available by phone at 1-866-352-1064.

  • Customer service specialists are available Monday through Friday from 8am to 11pm ET and weekends from 8am to 8pm ET. The call center will be closed on the following holidays: New Year’s Day, Easter, Memorial Day, Fourth of July, Labor Day, Thanksgiving Day and Christmas Day. On the day before Thanksgiving, Christmas and New Year’s Day, our call center will have reduced hours of operation.
  • Travel call center hours are Monday through Friday from 9am to 10pm ET and weekends from 9am to 5pm ET. The travel center will be closed on the following holidays: New Year’s Day, Easter, Memorial Day, Thanksgiving Day and Christmas Day.

You may also submit a help request through the Star One Rewards site: Home > Contact Us > Need Help? > Enter your name, email address, phone number and message, and click Send.

You may redeem your Reward Points in four major categories: travel, cash, e-gift cards/plastic gift cards, and merchandise.

You should receive an order confirmation email from AmpliFI immediately after placing your order. Your eGift card may take up to 72 hours to arrive after ordering. To ensure your confirmation email and eGift card will not be accidentally misplaced to your SPAM folder, please add noreply@vcdelivery.com and gc@vcdelivery.com to your safe senders list. You can always see your orders on the Rewards website in the order status section.

Yes, when submitting your order, please enter the address within the “Ship to” address fields. Please be aware that there are fees associated with shipping outside of the contiguous US. If you have any further questions, please call customer service for more information regarding shipping policies.
 
Gift cards that are valued under $300 can be delivered to a P.O. Box because they are shipped via First Class US Mail. Prepaid Visa and MasterCards can also be shipped to a P.O. Box. Gift cards that are over $300 cannot be shipped to a P.O. Box because they are shipped via UPS Ground.

You can redeem your Reward Points for tickets on most major airlines by calling our Rewards Redemption Center at 1-866-352-1064 or online at the Travel Rewards section of this website.

You may contact the airline directly. You will receive contact numbers on your flight itinerary, which will be emailed to you after you redeem Reward Points for air travel.
 
Tickets are non-changeable and non-refundable. Any changes to the itinerary must be handled directly with the airline listed on your itinerary. You may be subject to fees enforced by the airlines for changes to your flight itinerary.

You can receive airline frequent flyer miles from your redemption by providing your airline frequent flyer number on the Star One Travel Rewards site or to the agent over the phone when you redeem your Reward Points. You must work directly with the airline in question if you forget to provide your frequent flyer number or discrepancies.
 
You cannot combine Reward Points and frequent flyer miles at redemption. Star One Rewards program is unique to our credit union, and you can only redeem your Reward Points for rewards. If you have airline miles, you need to work with each individual airline frequent flyer program separately.