Redstone Visa Signature Credit Card
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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.
Our Rating
4.5/5.0
Welcome Offer
$150
Annual Fee
$0
0% Intro on Purchases
None
Reward Rate
1.5% to 5% cash back
0% Intro on Balance Transfers
6 months
Welcome Offer
Earn $150 in cash back rewards when you spend $3,000 within the first 90 days
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
| Benefits | Extended Warranty Coverage, Price Protection, 24/7 customer service |
| Travel Perks | Access to Special Events and Concerts, Concierge Services, Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 17.25% - 18.00% variable (V) APR |
| Balance Transfers | 0% Intro APR for 6 months on balance transfers, then 17.25% - 18.00% variable(V) APR after that. |
| Balance Transfer Fee | None |
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: 786
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 02/17/2024 | Experian | ||
| Approved | 01/11/2024 | Experian | ||
| Approved | 04/10/2024 | Experian | ||
| Approved | 03/25/2024 | Experian | ||
| Approved | 02/16/2024 | Experian | ||
| Approved | 03/14/2024 | TransUnion | ||
| Approved | 02/20/2024 | Experian | ||
| Denied | 01/10/2024 | Equifax | ||
| Denied | 01/10/2024 | Experian | ||
| Denied | 01/10/2024 | TransUnion | ||
| Denied | 03/14/2024 | Not Provided | ||
| Denied | 04/04/2024 | Experian |
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- Up to 5% cash back
- 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
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
Rating
4.5
Rewards Range
1% - 5%
Annual Fee
$95
PenFed Platinum Rewards Visa Signature® Card
Rating
4.5
Rewards Range
1x to 5x points
Annual Fee
No Annual Fee