Redstone Visa Signature Credit Card

The Redstone Visa Signature Credit Card is a cash back rewards card designed for members of the Redstone Credit Union. If you are not a member and don’t live in Alabama, there are a few workarounds. You can join one of the many organizations that Redstone supports, and some of them are very low cost. You may have to submit to a video interview, though.

This is a fantastic card. You get up to 5% cash back (restaurants and gas), and 3% cash back in six other categories. There is a small welcome offer, and if you opt for the 0% intro APR on a balance transfer, there are no balance transfer fees. This all by itself makes it unusual in the credit card market. If you apply for a Redstone Credit card, they might approve you for the Redstone Visa Traditional Credit Card instead, but users report having success with calling for reconsideration. We dive into the details and your approval odds in this Redstone Visa Signature review.

Redstone Visa Signature

Our Rating

4.5/5.0

Welcome Offer

$150

Annual Fee

$0

0% on Purchases

None

Reward Rate

1.5% to 5% cash back

0% on Balance Transfers

6 months

Welcome Offer

Earn $150 in cash back rewards when you spend $3,000 within the first 90 days

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsExtended Warranty Coverage, Price Protection, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Concierge Services, Roadside Assistance

Rewards

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other purchases
3% cash back
Cell phone service
Earn 3% cash back on cell phone service
3% cash back
U.S. supermarkets
Earn 3% cash back on groceries, discount stores, and wholesale clubs
3% cash back
Select Categories
Earn 3% cash back on utilities
3% cash back
Streaming services
Earn 3% cash back on streaming services
5% cash back
Dining
Earn 5% cash back at restaurants
5% cash back
Gas
Earn 5% cash back on gas purchases

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR17.25% - 18.00% variable (V) APR
Balance Transfers0% Intro APR for 6 months on balance transfers, then 17.25% - 18.00% variable(V) APR after that.
Balance Transfer FeeNone

What Credit Score Is Required to Get the Redstone Visa Signature Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 707

Average Approved Credit Score: 766

App StatusDateCredit ScoreBureauCredit Limit
Approved01/12/2023
758
Experian
$7,500
Approved02/17/2024
825
Experian
$10,000
Approved03/27/2023
776
Not Provided
$10,000
Approved03/27/2023
783
Not Provided
$10,000
Approved01/11/2024
797
Experian
$10,000
Approved01/27/2023
743
Experian
$5,000
Approved03/25/2024
800
Experian
---
Approved10/07/2023
770
Experian
$5,000
Approved02/16/2024
707
Experian
$5,000
Approved03/10/2023
721
Experian
$10,000
Approved01/13/2023
739
Experian
$10,000
Approved02/20/2024
769
Experian
$5,000
Denied01/10/2024
767
Equifax
---
Denied01/10/2024
777
Experian
---
Denied01/10/2024
777
TransUnion
---

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 5% cash back
Cons
  • High APR
  • Requires good credit
  • Must join the Redstone Credit Union to qualify for a credit card

What Are the Best Alternatives?

Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express

Rating

4.5

Rewards Range

1%-6%

Annual Fee

$0 intro annual fee for the first year, then $95.

Capital One Savor Rewards Credit Card
Capital One Savor Rewards Credit Card

Rating

4.5

Rewards Range

1% - 5%

Annual Fee

$95

PenFed Platinum Rewards Visa Signature® Card
PenFed Platinum Rewards Visa Signature® Card

Rating

4.5

Rewards Range

1x to 5x points

Annual Fee

No Annual Fee

Related Articles