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Enjoy an 8.99% APRIntro Rate!



Key Features

  • Competitive Rates
  • Anytime Funds
  • Rewards Available

Special Introductory Rate

Enjoy an 8.99% APR1 introductory rate.

Platinum Visa® Rewards2

A low rate and special privileges come to anyone who carries INOVA’s most prestigious credit card, our Platinum Visa Rewards. Platinum Visa Rewards offers a great rate, travel assistance, and warranty manager, as well as many other great benefits!


Application and Solicitation Disclosure

Consumer Credit Card Agreement

Visa Account Updater (VAU) Opt-Out Form

 Additional Features

  • You can avoid paying any finance charges if you pay your balance in full within 25 days from your closing date. This applies to purchases only. 
  • Your monthly payment is equal to 2% of your balance, with a minimum of $10. 
  • In addition to convenient loan access, you can make purchases and cash advances 24 hours a day, every day. Cash advances are available at the credit union office, other financial institutions, and worldwide through the VISA ATM Network. There is a 4% fee for each cash advance or a minimum of $5.
  • Your Visa cards can make both unemployment insurance and credit life & disability insurance available to you.
  • Enjoy INOVA Alerts to increase card security and peace of mind. Click here for more details.

Buy online simply and securely — INOVA delivers an innovative way to pay with Secure Remote Commerce.

Speed up your online payment process

Use your computer, tablet, or smartphone to buy online without re-entering your INOVA Visa card number and shipping details on websites where Secure Remote Commerce is accepted.

Keep your payment information secure

Click the “Secure Remote Commerce” button when you shop online, and you don’t need to re-enter your card number. Just enter your email address and password, and you’re done!

Enroll your INOVA Visa card now

Get Started

1Annual Percentage Rate. The Introductory APR offer is only available for new Global Good, Platinum Visa, Platinum Visa Rewards, or Tolson Center Giving Visa accounts. The Introductory APR applies to purchases and balance transfers posted to your account during the first 7 billing cycles. Rates adjust to the contract APR (currently 16.99% - 17.99%) after the introductory period. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply. Signed application and proof of income required. Full terms and conditions of the account available upon approval. Platinum Visa Rewards annual fee of $50.00 will be waived with an active open INOVA Federal Shield Checking Account with no negative share accounts on the anniversary date of the annual fee. If the Shield Checking Account is closed after the anniversary date the Annual Fee will be assessed.

2Earn one (1) point for every $1.00 in net purchases made with the Platinum Visa Rewards Credit Card. No points will be earned for cash advances including convenience checks or for balance transfers. Minimum redemption is $25.00. Reward points may be redeemed any time a user has accumulated enough points for a redemption option. Rewards points will be deducted for returned purchases at the same rate they are earned. Credit rewards points not redeemed will expire after 5 years. Reward points may be redeemed online by logging into; in person by visiting the nearest INOVA branch location; by calling 800-826-5465; or by sending a written request to INOVA Federal Member Services Department, P.O. Box 1148, Elkhart, Indiana 46516. Rewards program subject to change at any time.

Visa Account Updater (VAU) Opt Out Form