Compare Valley Credit Cards and Find the Best One

If you're in the market for a new credit card, the Valley region has a plethora of options to choose from.

The Valley Credit Card from Valley Bank offers a 0% introductory APR for 12 months, making it an attractive option for those looking to avoid interest charges during the initial period.

With interest rates ranging from 12.99% to 23.99% APR, Valley Bank's credit cards are competitive with other issuers in the region.

Whether you're looking for cashback rewards, travel perks, or a low balance transfer fee, there's a Valley credit card out there that suits your needs.

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The annual percentage rate (APR) on Valley credit cards can range from 9.99% to 16.50% APR, depending on the type of card you choose.

If you're looking for a non-variable rate, you'll be happy to know that all three types of Valley credit cards offer this feature.

You'll pay the same APR after the introductory period, and it won't change even if you make a late payment.

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The credit limits on Valley credit cards vary, with the Platinum card offering a limit of $5,000 to $20,000, the Classic card offering a limit of $1,000 to $7,000, and the Secured card offering a limit of $500 to $7,000.

If you're worried about annual fees, you can breathe a sigh of relief – all three types of Valley credit cards have a $0 annual fee.

You can also enjoy $0 balance transfer fees, $0 over-limit fees, and $0 late payment fees, depending on the type of card you have.

Travel accident insurance is a great feature to have, and Valley credit cards offer up to $500,000 in coverage, depending on the type of card.

Credit life and/or disability insurance is also optional, but it can provide peace of mind in case of unexpected events.

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With valley credit cards, you can earn points just by using your card, and redeem them for an incredible selection of merchandise.

You'll have access to more than 6 million rewards in total, covering a wide variety of categories.

Redeem your points for travel options, such as flights, hotels, and rental cars, or for event tickets and activities.

If you're looking to get a Valley credit card, you'll want to know the details.

The annual percentage rate (APR) on a Platinum card is 9.99% APR, which is a non-variable rate that stays the same after an introductory period.

You can expect a credit limit of $5,000.00 to $20,000.00 on a Platinum card, with no annual fee, balance transfer fee, or over-limit fee.

Here's a breakdown of the credit limits for each type of card:

Travel accident insurance is also a feature on Valley credit cards, with a coverage amount of $500,000.00 on Platinum cards and $250,000.00 on Classic and Secured cards.

The Valley Platinum Rewards Visa offers rates as low as 14.49% APR after 6 months, making it a competitive option for those looking for a low-interest credit card.

You can earn 1 point per $1 spent on every purchase with uChoose Rewards, with no minimum purchase amount required and no maximum purchase amount that can be earned in a year.

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Points expire after 5 years, so be sure to cash in your rewards before they disappear.

Here are some key features of the Valley Platinum Rewards Visa:

The Visa Signature card is a great option for those who want to earn rewards and benefits. It offers a 30,000 bonus points when you spend $2,500 in the first 3 months.

Earn 1.5 points per dollar on net purchases, and the best part is that points do not expire and there is no cap. This means you can accumulate points over time and redeem them whenever you want.

You can earn 2% cash back on air travel, hotels, and dining, and 1% cash back on all other purchases. This is a great way to earn rewards on your everyday spending.

The Visa Signature card is issued by TCM Bank, N.A. and is subject to credit approval. Be sure to review the card application's Important Disclosures for current terms, rates, and fees.

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MasterCard Payment Protection is available for a low cost, just pennies a day.

This optional coverage will pay the insured balance of your Minnesota Valley Choice Rewards MasterCard in the event of your disability or death.

One of the standout features of this card is that it doesn't charge balance transfer and cash advance fees. This can help you pay off credit cards from other issuers that are charging you too much money.

The card's terms state that finance charges begin accruing the day after a balance transfer or cash advance, which is standard with most credit cards.

A key benefit of this card is that it offers a 25 day grace period to avoid finance charges, giving you extra time to pay off your balance each month.

Here's a quick rundown of the card's fees:

The cash advance and balance transfer rate is the same rate as the card's regular APR, so be sure to check the terms to understand the specifics.

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If you're considering a Valley credit card, you have three main options to choose from: Platinum, Classic, and Secured. Each card has its own set of features and benefits.

The Platinum card has a non-variable annual percentage rate (APR) of 9.99% APR, with a credit limit ranging from $5,000.00 to $20,000.00. This card also offers travel accident insurance up to $500,000.00.

The Classic and Secured cards have a non-variable APR of 13.50% or 16.50% APR, with a credit limit ranging from $1,000.00 to $7,000.00 and $500.00 to $7,000.00, respectively. Both cards also offer travel accident insurance up to $250,000.00.

Here's a comparison of the cards' key features:

The Secured Card is a great option for those who want to build credit or need a secured credit line. This card provides the same benefits as our VISA Classic Credit Card.

The APR on the Secured Card is low, making it a cost-effective choice.

You'll need to have money in your RVCCU Savings Account to secure the available credit balance on this card.

When choosing a credit card, it's essential to consider the annual percentage rate (APR). The Platinum card has a non-variable APR of 9.99%, while the Classic and Secured cards have a non-variable APR of 13.50% or 16.50%.

The APR for the Platinum card is significantly lower than the Classic and Secured cards. This means that if you carry a balance, you'll pay less interest with the Platinum card.

The Platinum card has a higher credit limit, ranging from $5,000.00 to $20,000.00. In contrast, the Classic card has a credit limit of $1,000.00 to $7,000.00, and the Secured card has a credit limit of $500.00 to $7,000.00.

A higher credit limit can provide more flexibility and freedom to make purchases.

Here's a comparison of the credit limits for each card:

The Platinum card has a $0.00 annual fee, which means you won't have to pay any extra charges for owning the card. In contrast, the Classic and Secured cards also have a $0.00 annual fee.

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The Valley credit cards offer a range of benefits and features that can help you manage your finances effectively.

The annual percentage rate (APR) on these cards varies depending on the type of card you choose, with the Platinum card offering a non-variable 9.99% APR and the Classic and Secured cards offering non-variable 13.50% or 16.50% APR.

One of the key differences between the cards is the credit limit, which ranges from $500 to $20,000 on the Platinum card, $1,000 to $7,000 on the Classic card, and $500 to $7,000 on the Secured card.

If you're looking for a card with a low annual fee, the Platinum, Classic, and Secured cards all have an annual fee of $0.00.

The cards also offer various insurance options, including travel accident insurance, which provides coverage of up to $500,000 on the Platinum card and $250,000 on the Classic and Secured cards.

Here's a summary of the key features of each card:

The cards also offer optional credit life and/or disability insurance.

Valley credit cards have partnered with various banks to offer exclusive benefits to their cardholders. Valley Bank, for example, has partnered with Valley credit cards to provide a 1% cashback reward on all purchases.

Some of the benefits of these partnerships include waived foreign transaction fees and no annual fees. Valley Bank's partnership with Valley credit cards also offers a 0% introductory APR for 6 months on purchases and balance transfers.

Cardholders can enjoy these benefits on a wide range of credit cards, including the Valley Cash Rewards card and the Valley Platinum card. These cards offer a range of rewards and benefits, including cashback, travel rewards, and purchase protection.

Valley Bank's partnership with Valley credit cards also provides cardholders with access to a 24/7 customer service hotline, available to answer any questions or concerns they may have.

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