Benefits of Argent Credit Union VISA® Cash Rewards
2% Cash Back
Every time you use your card, even for everyday purchases, you’ll get 2% cash back¹, with no limits on how much you can earn.
Our VISA® Cash Rewards comes with no annual fee, balance transfer fee, and no cash advance fee.
Enjoy the peace of mind of having zero liability for any fraudulent transactions. Plus, customer service is available 24/7 if you need to report an issue.
VISA® Cash Rewards
When you get our VISA® Cash Rewards, you get more than a cash back credit card with no annual fee. Some of the perks you’ll enjoy are:
- Auto Rental Collision Damage Waiver and Warranty Manager Service
- Travel & Emergency Assistance Services – including $500 travel accident insurance
- Travel and Accident Insurance, plus Baggage Delay Insurance
- Zero Liability for Fraudulent Transactions
- Easy online access to view balance, available credit and make a payment.
- 24/7 Customer Service and Lost/Stolen Reporting
- 2% cash back with no limits on how much you can earn
- Variable rate starting as low as 14.74% APR²
Don’t settle for less. Apply for your VISA® Cash Rewards today, and start getting more from your credit card while saving on interest and fees.
Plus, if you aren’t already a member of Argent Credit Union, you’ll get all the benefits that come with being a member and part-owner, like lower rates on loans, fewer fees, and better earnings on deposit accounts.
VISA® Cash Rewards Rates
Rate as of: May 1, 2023
Applying for Your 2 Percent Cash Back Credit Card Is Easier than Ever.
Get your documents ready then enter your details into our user-friendly online portal.
Our team will contact you and check you’re eligible for a cash rewards credit card.
Enjoy Your Low Rates!
Once approved, we’ll confirm the details of your VISA® Cash Rewards and you can start earning cash back!
“I have been with the credit union for over 20 years! It has always been a great experience with all of the services I have used over the years. I would and do recommend them to anyone looking for a good banking experience!””
– Lou M.
FAQs About Credit Cards
What circumstances make cash back credit cards a good option?
Cash back credit cards can be a great option, but it all depends on your financial habits and goals. These cards offer a certain percentage of cash back on purchases made with the card, which can help you save money on everyday expenses.
This type of card is especially useful if you pay your balance in full every month, as you can avoid interest charges on outstanding balances. However, if you don’t pay your credit card balance in full, the interest charged on the outstanding balance will likely outweigh the cash back you earn.
Moreover, cash back credit cards typically have higher interest rates than other types of cards. Therefore, if you plan on carrying a credit card balance, you may be better off looking for a card with the lowest possible APR, such as a VISA® Platinum.
Do I need to be a member of Argent Credit Union to apply for a credit card?
Yes, you need to be a member to enjoy our credit card offers. Membership eligibility is open to individuals living, working, attending school, or who worship or volunteer in the following counties:
- The city of Richmond
Membership is also available to family members or housemates who meet the above criteria. To be eligible, members must also be at least 18 years of age and be a US citizen or resident alien.
If you meet the above criteria, joining is easy! Simply open a savings account online, with a minimum of $5, then you’ll be able to benefit from our full line of products and services.
How can I earn cash rewards on my credit card purchases?
Open a VISA® Cash Rewards. Then, every time you use it to make a purchase you’ll get 2% cash back. It doesn’t matter if you use your VISA® Cash Rewards to make a big purchase or for everyday spending, you still earn cash back every time you use it.
Why join Argent?
When you join Argent, you’re joining a member-owned nonprofit that’s controlled by a board of directors who are elected by their fellow credit union members.
We aren’t beholden to outside stockholders, so all of our profits go right back to our members through our lower fees and interest rates, and in higher account dividends.
As an Argent member, you’ll be able to take advantage of our low interest rates on loans and higher dividends on accounts.
Additional benefits include free notary services, as well as scholarships and other perks.
Will I get offers and discounts with these VISA® credit cards?
In addition to the benefits already mentioned, you’ll also have exclusive access to a variety of offers and deals, such as food and wine, shopping, sports, entertainment, and more.
Credit Card Resources
¹Balance transfers, cash advances and equivalents, fees, interest charges, or disputed or fraudulent transactions do not qualify as purchases and will not earn cash rewards. There is no limit to cash rewards, and cash ($25.00 balance or greater) will be automatically distributed to the account statement on a quarterly basis. Membership eligibility required. Offer subject to credit approval.
²APR = Annual Percentage Rate. APR for purchases is 14.74% – 18.00%. APR for balance transfers is 16.74% to 18.00%. APR for cash advances is 16.74% to 18.00%. The APR is a variable rate that will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 6.74% – 15.74%. Maximum rate: 18.00%. The cash advance and balance transfer APRs are variable rates that will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 8.74% – 17.74%. Maximum rate: 18.00%. Subject to credit approval.