Visa Credit Cards
Shop Local. Pay Local.
All Trailhead Visa Credit Card Options Include
No Annual Fee
$0. We’re seriously not a fan of annual fees.
No Balance Transfer Fee
$0. We don’t charge you to transfer your balance.1
No Cash Advance Fee
$0. That’s not a typo. Starting to sense a pattern here?1
Grace Period
We give you a 28-day grace period on all purchases before they start earning interest.
Lower rate for Balance Transfers
Get a reduced rate when you transfer balances from other high-rate credit cards.
Trailhead Rewards Visa© Card
Earn Rewards on Everyday Purchases
$1,000 Minimum Limit
No annual, balance transfer, or cash advance fee
Earn Pathfinder Points to redeem for cash back, gift cards, travel, merchandise, and more
Trailhead Platinum Visa© Card
Get a Great Rate for Higher Balances
$500 Minimum Limit
No annual, balance transfer, or cash advance fee
Trailhead Secured Visa© Card
Build Credit
$300 Minimum Limit
No annual, balance transfer, or cash advance fee
Current Rates
|
Purchase and Cash Advance APR |
Balance Transfer APR |
|
|---|---|---|
|
Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 18% ceiling. |
||
|
Platinum Credit Card |
13.50% – 18.00% Variable |
10.50% - 18.00% Variable |
|
Rewards Credit Card |
14.50% – 18.00% Variable |
11.50% - 18.00% Variable |
|
Secured Credit Card |
13.50% Variable |
10.50% Variable |
Take your money further! Use your Trailhead Rewards Credit Card to earn Pathfinder Points for all your purchases, big and small.
Cash Back
Redeem points for cashback deposited directly into your Savings account.
Gift Cards
Treat yourself to a day of shopping followed by a night on the town. Enjoy a variety of gift card reward options from all your favorite retailers including Starbucks®, Amazon® and much more.
Travel
Browse top travel destinations, access exclusive deals, and redeem points for airline tickets, hotel accommodations, car rentals, cruises, vacation packages, and destination activities and excursions all in one place.
Merchandise
With our extensive merchandise selection, you’ll be sure to find the reward item you’ve been saving for! Browse merchandise from top brands including Apple®, Sony®, KitchenAid® and much more.
Experiences
From an open water dive course to a golf lesson with a PGA pro, you can redeem points for a variety of daytime excursions and nightlife entertainment.
Event tickets
Redeem your points for tickets to top events across the nation. From concerts to top sporting events to plays, find tickets that you will enjoy!
Security & Benefits
Stay Protected
Visa blocks potential fraud if abnormal patterns are detected and they will let you know if they suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions.2
Online & Mobile Banking
Bank on the go from almost anywhere quickly and securely with our Online Banking and Mobile Banking. Pay your credit card bill online, transfer funds, check available credit, and more.
Chip Cards
The Visa Platinum Credit Card has EMV chip technology for enhanced security and protection when making purchases at chip-enabled terminals in over 130 countries.
Cards On/Off
Use our Mobile Banking app to switch your credit card on or off with the click of a button. If your card has been lost or stolen or if you need to disable your card ASAP, logon to the Mobile Banking app to temporarily deactivate your card.
Overdraft Protection
We offer this optional service to help you prevent declined purchases or other overdrafts when you link your eligible Trailhead checking account to your credit card. Transfer fees may apply.
FAQs
The total outstanding balance of purchases, balance transfers, and cash advances in your account on the closing date of a billing cycle, including any interest charges, will be shown on your monthly statement for that billing cycle as the “New Balance.”
Your APR is a variable rate and will change with the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month.
We determine it based on your credit score, income level, and ability to borrow. We try to find a limit that makes the most sense for you.
Your minimum monthly payment will be 3.0% of your outstanding balance (“New Balance”) or $20.00, whichever is greater.
Apply for a Trailhead Visa Credit Card
Apply for one of our Visa Credit Cards.
Contact our 24-hour Member Service line to apply.
503-220-2592 | 800-942-9408
Visit any of our branches:
Old Town
221 NW 2nd Ave, Ste 100 | Portland, OR 97209
Mississippi
3904 N Mississippi Ave | Portland, OR 97227
Division
3354 SE Division St | Portland, OR 97202
Fill out our Visa balance transfer request form to request a balance transfer.
Disclosures
1) Interest begins the day you make a cash advance or balance transfer.
2) $0 Liability Guarantee. The $0 Liability Guarantee covers fraudulent transactions made by others using your account. To ensure that you are covered and protected, please do not share personal or account information with anyone. Claims may only be filed by the account holder against posted and settled transactions subject to dollar limits and verification, including providing requested information supporting fraudulent use claim.
