Redstone Visa Traditional Credit Card
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The Redstone Visa Traditional Credit Card is a starter card designed for those new to credit or who are rebuilding their credit. Redstone Credit Union is located in Alabama, but if you don’t live near a branch, you can qualify for membership by joining one of the many organizations that offer membership. You will have to do a video interview, however.
As far as the card goes, when you apply for either of Redstone’s two credit cards, they are likely to approve you for this one (if any) no matter which card you applied for. There is a 0% introductory APR for 6 months on both purchases and balance transfers. There are no balance transfer fees, so this a great card to help you get out of debt, assuming your credit limit matches or exceeds the amount you want to transfer. That said, Redstone leans conservative as far as lending money goes. We dive into the details and your approval odds in this Redstone Visa review.
Our Rating
4.0/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
6 months
Reward Rate
No rewards
0% on Balance Transfers
6 months
Welcome Offer
None
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
| Benefits | 24/7 customer service |
| Travel Perks | Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 12.25% -18.00% variable or 18.00% fixed (V) APR |
| Balance Transfers | 0% Intro APR for 6 months on balance transfers, then 12.25% -18.00% variable or 18.00% fixed(V) APR after that. |
| Balance Transfer Fee | None |
| Purchases | 0% Intro APR for 6 months on purchases, then 12.25% -18.00% variable or 18.00% fixed (V) APR after that. |
What Credit Score Is Required to Get the Redstone Visa Traditional 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: 736
Average Approved Credit Score: 752
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 07/15/2023 | TransUnion | ||
| Approved | 02/05/2024 | Experian |
Pros & Cons
- No annual fee
- No foreign transaction fee
- No balance transfer fee
- No welcome bonus
- No rewards
What Are the Best Alternatives?
Capital One SavorOne Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
$0
Chase Slate Edge
Rating
4.3
Rewards Range
No Rewards
Annual Fee
$0
Chase Freedom Rise℠
Rating
4.2
Rewards Range
1.5% cash back
Annual Fee
$0