Redstone Visa Traditional Credit Card

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.

credit card

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

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
Benefits24/7 customer service
Travel PerksRoadside Assistance

Rewards

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR12.25% -18.00% variable or 18.00% fixed (V) APR
Balance Transfers0% Intro APR for 6 months on balance transfers, then 12.25% -18.00% variable or 18.00% fixed(V) APR after that.
Balance Transfer FeeNone
Purchases0% 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 StatusDateCredit ScoreBureauCredit Limit
Approved07/15/2023
768
TransUnion
$1,000
Approved02/05/2024
736
Experian
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Pros & Cons

Pros
  • No annual fee
  • No foreign transaction fee
  • No balance transfer fee
Cons
  • No welcome bonus
  • No rewards

What Are the Best Alternatives?

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card

Rating

4.5

Rewards Range

1% -10%

Annual Fee

$0

Chase Slate Edge
Chase Slate Edge

Rating

4.3

Rewards Range

No Rewards

Annual Fee

$0

Chase Freedom Rise℠
Chase Freedom Rise℠

Rating

4.2

Rewards Range

1.5% cash back

Annual Fee

$0

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