Lost or stolen credit cards can be reported around the clock to 866-820-6975, and in our Mobile App. We offer 24/7 cardholder service for our credit cards at 866-820-6975.
Credit Cards
Choose your card and get the credit that you deserve.
Credit Cards That Bring It All Within Reach
Competitive, convenient, and loaded with perks, our credit cards push you forward and watch your back. Get the purchasing power you need with RadiFi’s Visa credit cards.
No Hidden Fees
No annual fees, no over limit fees, no minimum interest charges, and caps on cash advance fees.
Spend With Confidence
Enjoy free fraud monitoring and $0 fraud liability protection.
Breathing Room For Payments
If your balance is paid in full each month, you can rest easy with a 25 day, interest-free grace period on your purchases and a low minimum payment (only 2.00% of the outstanding balance).
Digital Tools & Technology
Take advantage of advanced digital tools like easy online access, including bill payment and online statement, and Tap to Pay functionality in your chip card.
Emergency Services
Broaden your horizons with a safety net. All cards include Travel Emergency Assistance Services, Visa Emergency Cash Disbursement, and Card Replacement.
Digital Issuance
Instant access to your card in your digital wallet for secure, contactless payments – no waiting for the mail! Learn more about the benefits of Digital Wallets.
Looking for the best credit card option? Get the credit card that fits your goals.
WE’VE GOT SOMETHING FOR EVERYONE
Signature Rewards Visa
Enjoy Even More Rewards and Perks
New Account Promotion:
Earn 15,000 Bonus Points when purchases total $1,500 during the first 90 days following the opening of the credit card account.
Rewards:
- Earn 3 points for every $1 spent at restaurants and entertainment merchants.
- 🌊 Make Waves offer 🌊: Earn 2.5 points per dollar spent at cruise line, boat rental and boat lease merchants.
- Earn 1.5 points for every $1 spent on all other qualified purchases.
- Enjoy additional perks including Roadside Dispatch, Trip & Baggage Delay Reimbursement, and Event Ticket Protection.
Platinum Visa
Kick Interest to the Curb
New Account Promotion:
1.90% Introductory APR for 12 months for purchases posted to the account during the first 90 days following the opening of the credit card account.
Rewards Visa
Earn Endless Rewards
New Account Promotion:
Earn 1.5 points for every dollar spent on purchases during the first 60 days following the opening of the credit card account.
Rewards:
- Earn 1 point for every dollar spent on purchases after the first 60 days following the opening of the account.
- Redeem points for cash or for a statement credit, gift cards, merchandise, or travel.
Secured Visa
Build Your Credit
Build or improve your credit with our Secured Visa Card.
- Establish or re-establish credit
- Fixed-Rate
- Credit limits begin at $500
Get Started with Your Credit Card Journey
Apply now or contact us for personalized assistance. Our team is here to guide you through the application process and help you choose the right card to fit your needs.
Apply for a Credit Card
Get Started Online
Schedule an Appointment
Connect with Us by Video or Phone Call
Call Us
904-475-8000 YOUR CREDIT CARD OPTIONS AT A GLANCE
Explore RadiFi’s selection of credit cards, offering various benefits tailored to your financial preferences. Take advantage of our credit card options and enjoy greater financial freedom today!
Credit Card Rates
|
Product |
APR* starting at |
APR* up to |
|---|---|---|
|
*APR = Annual Percentage Rate. Rates are subject to change at any time without notice. For complete details, download the RadiFi Credit Union Visa® Application and Solicitation Disclosure (PDF). How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
|
||
|
Product Platinum Visa® Card |
APR* starting at 12.40% |
APR* up to 18.00% |
|
Product Rewards Visa® Card |
APR* starting at 13.40% |
APR* up to 18.00% |
|
Product Signature Rewards Visa® Card |
APR* starting at 13.90% |
APR* up to 18.00% |
|
Product Secured Visa® Card |
APR* starting at 13.90% |
APR* up to 13.90% |
OUR MEMBERS EMPOWER US
We’re dedicated to empowering you, which fuels everything we do.
— Richard D., MemberI am grateful for JAX Federal Credit Union (now RadiFi) for the services that they offer. As I have grown as a member of JAXFCU, my needs have changed, and JAX Federal Credit Union has been there to assist in those. Their member service representatives are so knowledgable and helpful. I am grateful for their assistance when needed. The branch I go to has the best employees around. All of them have provided me with awesome service. I always recommended JAX Federal Credit Union to my family and friends.
All Your Burning Questions Answered
Once you receive your RadiFi credit card, simply call 800-631-3197 from your home or cell phone we have on file to activate your credit card.
Your card must be activated in order to use the card.
We have several online self-service options and almost 10 different ways to make your credit card payment, making our credit card a convenient card to keep up with.
Make one-payments:
- Inside Online Banking
- With our Mobile App
- By phone at 904-475-8000 or 866-820-6975 ($9.95 fee)
- By US Mail: PO Box 71050, Charlotte, NC 28272-1050
- In a branch
Set-up recurring Payments:
- Inside Online Banking
- Complete a form in-branch, or over the form at 904-475-8000
No matter what kind of credit card you’re looking for, RadiFi has you covered:
- Save more with our low-rate Platinum Visa
- Earn rewards you can redeem for merchandise or cash
Plus, making RadiFi your go-to card comes with added perks. We also offer Classic Secured Visa options with a fixed rate—perfect for building or rebuilding credit with confidence.
Other credit cards may say they offer low rates, but RadiFi truly does offer low rates. We consistently review our rates to remain competitively low, and we have no annual fees, no over limit fees, and no inactive fees.
All our credit cards come with Visa’s Roadside Dispatch. Our Business credit cards offer Travel and Emergency Assistance Services, Auto Rental and Purchase Security / Extended Protection. For more information on how benefits work or on how to file a claim, call Visa Customer Care Services at (800) VISA-911.
Our credit cards come with 24/7 fraud monitoring and Verified By Visa to give you peace of mind.
Not finding what you’re looking for? See all our FAQs.
Apply For Your Credit Card Today
Apply and sign for your credit card online via an entirely digital process, or have a member of the RadiFi team personally assist you with your loan application.
Apply for a Credit Card
Get Started Online
Schedule an Appointment
Connect with Us by Video or Phone Call
Call Us
904-475-8000 Current Specials
Limited-time offers to help you save more and borrow smarter.
The CD that Bends the Rules
11-Month Flex Access CD Special – 4.10% APY* | $500 Min (New Money Only): Add Funds. Make a Withdrawal.
HELOC SPECIAL – ends September 15
3.99% APR* for the first 6 months plus up to $750 credit toward closing costs.
Open a New Youth Account & Get $50*
Give your child a strong start with an account designed to make saving simple.
Open a Teen Checking Account & Earn $50*
Build smart money habits while earning a $50 bonus*.