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Visa Credit Card

Get the Credit You Deserve


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.

To Report a lost or stolen Visa Card 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 Platinum Credit Card

Why pay high rates and fees with other credit card programs when you can carry a Route 31 Credit Union Platinum Preferred Visa? Plus your Platinum Preferred Visa earns ScoreCard Rewards Points every time you use your card. The ScoreCard Points can be used to purchase travel or prizes. Your Route 31 Credit Union Platinum Preferred Visa card is accepted at millions of locations worldwide. To view the Awards you can redeem with your ScoreCard Bonus Points, go to www.ScoreCardrewards.com or call 1-800-854-0790.

  • No annual fee
  • No balance transfer fees
  • Minimum credit limit of $300.00
  • Low interest rate.
  • Low monthly payment. Your monthly Platinum Preferred Visa 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.
  • No transaction fee for cash advances made at the credit union or any other financial institution.
  • 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

Our Visa Credit Cards offer no annual fee, a low interest rate, a low monthly payment, and 25-day grace period on new purchase balances. You also earn ScoreCard® Rewards Points every time you use your Visa. 

ScoreCard Rewards is a rewards program offering points for using your Route 31 Visa credit card. When you use your Route 31 Visa 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.

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.

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.