7 Benefits of Using a Visa® Credit Card

Using a credit card is an easy way to shop, pay bills, establish credit and earn rewards—if you use it responsibly and choose the right card for you.

Between mail-in offers, online advertisements and aggressive TV commercials, making this choice can feel tricky. We can help! A Visa credit card is a wise choice for a number of reasons: It's one of the most popular credit cards in the world, it's accepted in more than 200 countries and territories and, with Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with your Visa card.

Still not sure? Here's a look at seven more benefits of using a Visa credit card:

1. Get your card fast—Once you're ready, you shouldn't have to wait for your credit card to arrive in the mail. At Mountain America Credit Union, your new Visa card is issued instantly at any branch.¹ And that means you can start spending and earning rewards instantly.

2. Amazing rewards—Imagine the simplicity of earning one point for every dollar spent, no matter what you buy. Now imagine earning double and even triple rewards—it's all possible with a Visa Rewards card and Mountain America's various rewards promotions throughout the year.

    

   If cash back is more your style, consider a Visa Cash Back card. You’ll earn 1.5% cash back on every purchase. And, no, you won't have to fill out any forms or navigate through a confusing website—the cash you earn is automatically deposited into your account each quarter. See the program rules for more details.

    

3. Low interest rates—Perhaps your top priority is saving money and keeping monthly payments low, Visa offers a low rate card that cuts straight to the chase. With no hidden fees or sneaky charges, the Visa Low Rate card offers straightforward low rates.

    

   If you tend to carry a balance each month or want to start tackling some debt, consider consolidating outstanding balances onto this card today.

    

4. No balance transfer fees—If you're looking to switch over to a Visa credit card, we have good news: you won’t pay to transfer your balance.²

    

   While many financial institutions charge between 3% to 5% of the balance transfer, Mountain America does not charge a fee. Whether you're looking to pay off your credit card balance, lower your interest rate or want to earn better rewards, consider making the switch today.

    

5. No annual fees—Some credit cards require users to pay an annual fee. Oftentimes, though, it can be difficult to justify that cost.

    

   With a Mountain America Visa card, you won’t be charged an annual fee. Every reward earned goes straight into your wallet.

    

6. Tap-to-pay convenience—Contactless payment has become a quick and easy way to make a purchase. In today's world, it's become a way to avoid catching or transmitting germs.

    

   Visa credit cards come with a contactless indicator, which means you can tap to pay for a fast, easy and secure checkout. All you need to do is look for the contactless symbol at checkout, tap your Visa credit card and collect your receipt!

    

7. You're in total control—A credit card lets you control when and how you spend your money.

    

   "At Mountain America Credit Union, we believe you should be in total control of your credit," says Jade Beckman, vice president of consumer loans at Mountain America. “Each of our Visa credit cards can be tailored to meet your specific financial needs, and all cardholders get access to important customization tools.”

    

   All Visa credit card holders have access to Mountain America's card manager, which is a lot like a remote control for your wallet.

    

   Once a card is activated, you can log in to online or mobile banking to:

    
   • Easily disable and enable your card
   • Request a new card if one is lost or stolen
   • Request a replacement card due to damage
   • Change or reset your PIN
   • Set travel notifications to prevent travel delays or concerns
   • Activate a new or replacement card
   • Set up automatic and recurring payments
   • Check your credit score
   • Lock and unlock your Experian credit report in case of suspected fraud

A Visa credit card is a valuable addition to your wallet. Talk to a representative at Mountain America about which Visa card can help you achieve your financial goals.

¹ On approved credit. Membership required–based on eligibility.
² Variable Annual Percentage Rate ranges from % to 18.00% APR based on credit worthiness.