Visa Rewards Credit Card
A simple, low-rate card that rewards your everyday spending.
The Meridian Trust Visa Rewards Credit Card gives you the best mix of low fixed rates, no annual fees, and rewards you can actually use. From everyday purchases to bigger needs, it is a straightforward tool that helps you spend confidently and manage your money with ease.
A credit card that keeps things clear and convenient.
Visa Rewards Credit Card
One great card with everything you need.
- No annual fee
- A lower interest rate than most cards elsewhere
- No balance transfer fee
- Rewards points
- Worldwide acceptance
- Local service
MyMeridian Rewards
Earn points on every purchase and redeem them for. No confusing categories. No hoops to jump through.
1 Point per Dollar Spent – Review your points balance and redeem. The more times you use your card, the more points you can earn. Review your points
Discounts on fuel and more – You can also redeem your rewards points back for discounts on gas and bonus points on your purchases at select retailers. Discounts on Fuel
Fraud Protection & Security
Your peace of mind matters.
- Real-time fraud alerts
- 24/7 card monitoring
- Zero liability for unauthorized charges
- Immediate support for lost or stolen cards
All our credit cards feature EMV chip technology, which improves security and fraud protection for you. This technology secures payment cards around the world, and is the card standard in the United States. You still may be required to enter your card’s PIN or sign for transactions. Your card will also work on payment terminals that require a swipe of the magnetic strip.
Easy Management
Track spending, view rewards, and make payments through Online and Mobile Banking. Everything in one place, whenever you need it.
Current Rates
Credit Card | APR* |
|---|---|
Credit Card Visa Rewards | APR* 11.75% |
*APR=Annual Percentage Rate. This APR will vary with the market based on the Prime Rate. Rates above are effective as of January 1, 2026. Age 18 or older, membership and credit qualification required.
Fee Type | Fee Details |
|---|---|
Fee Type Annual Fee | Fee Details None |
Fee Type Foreign Transaction Fee | Fee Details 1.00% of each transaction in U.S. Dollars |
Fee Type Cash Advance Fee* | Fee Details 3.00% of transaction amount |
Fee Type Late payment penalty fee | Fee Details $25 if you are more than 10 days late |
Fee Type Returned payment penalty fee | Fee Details $25 |
*Cash Advance Fee of 3.00% of transaction amount is effective on November 6, 2023.
Interest charges: Our credit cards have no penalty APR and no minimum interest charges. To avoid paying interest on purchases, pay your entire balance by the due date each month. Your due date is at least 28 days after the close of each billing cycle.
Credit Cards + Support FAQs
Need help choosing the right account?
We can walk you through your options and help you find the best fit for your goals.
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DISCLOSURES: *Earn points for cash back on Meridian Trust Visa Rewards Credit Card only. Points are only earned on valid purchases, which will be credited to your rewards account. These points can be redeemed once a minimum of 2500 points are accumulated. Rewards not earned on cash advances or balance transfers. Points deducted for returns. The following qualifying purchases based on merchant category code earn 3 times the points on purchases posted from 11/16/2025-12/31/2025: marketplaces, discount stores, department stores, variety stores (includes marketplace, discount stores, department stores), electronic stores, retail stores, artist’s supply and craft shops, jewelry stores, book stores, digital goods, men’s and women’s clothing, miscellaneous apparel and accessory shops, family clothing stores, sports and riding apparel stores, children’s and infants’ wear, women’s accessory and specialty shops, women’s ready-to-wear stores, men’s and boys’ clothing and accessories stores. Points redeemed as cash can be a credit to your credit card statement balance or a deposit to your Meridian Trust savings or checking account. Points earned expire 36 months after purchase date, if not redeemed. Age 18 or older, membership and credit qualification required. Insured by NCUA.