Visa Credit Card

Get the Credit You Deserve

Our Visa Credit Cards offer no annual fee, a low interest rate, a low monthly payment, and 25-day grace period. Our Visa credit cards are accepted anywhere. You can view your Visa account on It’s Me 247 (our online banking via the homepage) and you can pay your credit card by transferring money online or pay right at the credit union.

You can choose between a Visa with Scorecard Rewards or a Visa without Rewards that offers a lower rate.

To Report a Lost or Stolen Visa Card call 866-604-0381 or if your Visa is denied, call the credit union at 231-726-4871. After hours call 1-866-333-4740.

To reset your Visa PIN, call 1-866-297-3411.

Route 31 Credit Union has a fraud alert company that monitors our members’ credit card activity for unusual activity (i.e. purchases out of state, etc.). Be sure to contact the credit union if you will be traveling and using your credit card, so we can notify the fraud alert company.

VISA Credit Card

Why pay high rates and fees with other credit card programs when you can carry a Route 31 Credit Union Visa? You can choose:

A Rewards Credit Card that earns ScoreCard Rewards Points every time you use your card or
A Non-Rewards Credit Card with a lower interest rate.

The ScoreCard Points can be used to purchase travel or prizes. Your Route 31 Credit Union Visa card is accepted at millions of locations worldwide. To view the Rewards you can redeem with your ScoreCard Bonus Points, go to www.ScoreCardrewards.com or call 1-800-854-0790.

No annual fee
Minimum credit limit of $300.00
Low interest rate.
Low monthly payment. Your monthly payment is computed at just 3% of your outstanding balance (minimum $25.00)
25-day grace period on new purchase balances. Avoid finance charges by paying off your balance within at least 25 days of your statement closing date. Cash advances accrue interest from the date the advance is made.
Make cash advances at any participating institution and at more than 150,000 ATMs worldwide.
Cash advance interest rate, the same as for purchases
Pay your balance in full or make monthly payments. Make your minimum monthly payment or pay your balance off. Tailor it to your budget.
Pay your Visa bill at either Route 31 Credit Union branch or any shared branch location

ScoreCard^® Rewards

With our Visa Rewards Credit Card you earn ScoreCard® Rewards Points every time you use your Visa.

ScoreCard Rewards is a rewards program offering points for using your Route 31 Visa Rewards credit card. When you use your Route 31 Visa Rewards credit card, you earn 1 ScoreCard point for every $1 spent. These ScoreCard points can then be used to reward yourself with merchandise and travel rewards. You will be automatically enrolled to earn ScoreCard points every time you use your card. There’s no limit to how many points you can earn. The Scorecard points do expire after 4 years.

How To Redeem Points

IT’S EASY TO REDEEM POINTS. Simply visit www.ScoreCardrewards.com to register and login. Once logged in, you can see how many ScoreCard points you have. Then search for merchandise, gifts, airline tickets, hotels, car rental and much more! You can also use your points for a discount at the gas pump at select gas stations when you use your Route31 credit card and receive up to $10 off your purchase at Walmart, CVS and Walgreens.

You can also call the ScoreCard Rewards Customer Service number to find out how many points you have available, order merchandise or book travel. The Customer Service number is 1-800-854-0790.

Enjoy your Rewards!

Verified by VISA

If you have a Route 31 Credit Union Visa Card, you can now protect it online with a personal password. Your Verified by Visa password helps ensure that only you can use your Visa card number to buy online.

Visa Credit Card

Get the Credit You Deserve

VISA Credit Card

ScoreCard^® Rewards

How To Redeem Points

Verified by VISA

Phone: (231) 726-4871

Routing Number: 272483170

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