Use your card every time you shop and earn points through our ValueRewards program. You’re automatically enrolled when your card is issued.  Choose from our VISA® Classic Credit Card or Premier VISA®

All our cards come with EMV chip technology to keep your account more secure. 


VISA® ClassicPremier VISA®
No Annual FeeNo Annual Fee
$10,000 Credit Limit$100,000 Credit Limit
Value Rewards Program1% Cash Back Rewards on all purchases
Fixed Rate as low as 8.9% APRRate based on Prime as low as 9.25% APR
Free Balance TransfersFree Balance Transfers
Free Cash AdvancesFree Cash Advances
Fixed 2.9% APR Balance Transfer (12 Months)Fixed 2.9% APR Balance Transfer (12 Months)

Apply from Anywhere

Download and complete our paper application:

VISA Classic Application Premier VISA Application


Give us a call at 901-332-9232   OR   800-228-8513 (if outside the 901 area code) or apply online:


Transfer Your Balance

Fill out our online form for transferring an existing credit card balance to your new Visa Classic card.


Restoration VISA® Classic Credit Card.  If you are trying to restore your credit after a bankruptcy that has been discharged then our Credit Restoration VISA® card is for you.


Secured VISA® Classic Credit Card.  Our secured VISA® card is a great way to establish or reestablish your credit history.