Pay Down Balances From Higher-Rate Cards
A Visa® SMART Credit Card from Orlando Credit Union makes great financial sense for members who carry balances on their credit card or want to pay down balances more quickly from high-rate cards.
APR*
1.99% to 6.99%
first 6 months
on purchases and balance transfers
13.49% to 17.75%
after 6 months
on purchases and balance transfers
Visa SMART Credit Card
- No annual fees, no application fees, and no balance transfer fees.
- Contactless tap-to-pay makes it easy to pay at millions of retail locations worldwide.
- Enjoy a 25-day grace period on purchases when you pay your balance in full by your monthly due date.
- Visa’s Zero Liability Policy provides purchase protection.
Already applied? Check Status
Visa Checkout
Visa Checkout is a digital payment service that takes the hassles out of making online payments. It works with your tablet, smartphone, or home computer.
Visa Checkout is both fast and secure:
- Skip typing in your credit card number every time you buy online. Just use your Visa Checkout login and you’re done.
- Shop worry-free. Multiple layers of security protect your stored information.
Credit Card FAQs
We’ve provided answers to many commonly asked questions about the Visa SMART Credit Card on our Credit Card FAQs page.
* APR = Annual Percentage Rate. Rates are variable and may increase. Individual rates are determined by credit score and credit history. Subject to credit union membership eligibility, credit approval and verification of information provided on your application. Other terms and conditions may apply. Terms and conditions are subject to change at any time without notice.