Low APR
0% intro rate
for an entire year
No Annual Fee
Meet the Velocity Mastercard™ Credit Cards
No matter what kind of credit you’re looking for, Velocity has a card to meet your needs — Platinum Rewards and traditional Platinum Mastercards™ with low, variable rates, no annual or balance transfer fees for the first 12 months*, and secure, contactless technology.
Our Rewards card earns you points with every purchase. Those points can be redeemed for dining, merchandise, travel, gift cards — even cash deposited straight to your Velocity accounts. No annual fee? That’s your first reward!
We even offer a Secured Mastercard™ for credit rebuilding and second chances.
Take a deeper dive into the features our credit cards offer and apply today!
Already got a Velocity Rewards credit card?
Mastercard™
Platinum Rewards
Earn points toward rewards every time you make a purchase.
- 0% intro rate for 12 months*
- Earn 1.5 points for every $1 purchase+ with our free CURewards program
- Redeem points online for CASH, dining, merchandise, gift cards (including Amazon®, Target® and dozens more), and travel rewards
- Redemptions begin at under 1,000 points
- All the other great benefits of our regular Platinum Mastercard™, including no annual fee
- Post-introductory rate of 15.50% to 18.00% APR*
Learn more about our rewards program here.
Cash advances and balance transfers do not earn Rewards points
Mastercard™
Platinum
No annual fee, and 0% APR intro rate* on purchases and balance transfers for 12 mos.
- 0% intro rate for 12 months*
- No annual fee
- No balance transfer fees for the first 12 months*
- Secure, contactless payment technology
- Post-introductory rate of 11.50% to 18.00% APR*
Apply in-branch or call 512.469.7060
Mastercard™
Business Rewards
A great option for your small business needs with unlimited rewards.
- 0% intro rate for 12 months*
- No annual fee
- Earn 1.5x rewards points on all purchases
- Redeem points for travel, gift cards, cash, a credit to your card account, and more
- Secure, contactless payment technology
- Post-introductory rate of 15.50% to 18.00% APR*
Learn more about our rewards program here.
Cash advances and balance transfers do not earn Rewards points
Mastercard™
Secured
Our secured credit card is great for establishing or rebuilding credit.
- 14.99% APR for purchases and balance transfers
- 16.99% for cash advances
- Backed by funds set aside from your Velocity savings account
- Low $20 annual fee
Velocity CardLock
Enjoy easy, on-the-go management of your Velocity cards. This app offers a convenient way to:
- View recent and pending transactions with account details.
- Report your card lost or stolen.
- Set alerts, controls, travel notifications, and more.
Enhanced ID Theft Protection with Credit Alerts
The Velocity Mastercard™ comes with complimentary white-glove identity theft protection services to help detect and resolve identity theft events 24/7. Cardholders also get access to one-bureau credit monitoring as well as protection against knowledge-based takeover events.
Build Your Credit Score
A credit score reflects your creditworthiness and is essential for obtaining favorable rates on loans, contracts, and leases. To build a credit score when you turn 18, you can open a credit card with a co-signer, use it responsibly, and establish good spending habits for long-term financial independence.
| Important Credit Card Disclosures: English | Espanol | ||
| *DISCLAIMER: Rates are effective January 3, 2025. Intro rate for first twelve months, not available on savings-secured cards. After intro period, APR for Velocity Mastercard Platinum will range from 11.50% to 18.00% APR based on credit score and the Prime Rate; APR for Velocity Mastercard Platinum Rewards will range from 15.50% to 18.00% based on credit score and the Prime Rate. |