Credit Cards

Put a charge into your finances with our Visa® credit cards

Tired of paying high interest rates and fees on your credit cards? Switch to an Ardent Visa® credit card. Our cards have fixed, low interest rates, no balance transfer fees and no annual fees. Plus, you can choose between an unlimited cash back card and a no-frills card.


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Rates effective starting: April 21, 2024

VISA Platinum VISA Classic
Best for member wanting to... earn cash back on every purchase carry a no frills card that is great for consolidating high-interest balances
Fixed1 APR2 for purchases as low as 12.99% as low as 10.99%
Balance transfer fee None None
Cash Advance as low as 12.99% as low as 10.99%
Rewards Earn an unlimited 1.50% cash back on every purchase with Ardent Cash Rewards

Learn more

Annual fee None None
Other Features3 Free Auto Rental Collision Damage Waiver
  • Emergency services for lost and stolen cards 24/7 at 866-820-0986
  • Grace period for repayment of the balance for purchases 25 days 25 days
    Minimum finance charge None None
    Transaction fee for cash advances None None
    Over-the-credit-limit fee None None
    Late-payment fee up to $25
    (after 14 days)
    up to $25
    (after 14 days)
    Foreign Transaction Fee 1.00% 1.00%

    1The rate will not increase while the consumer credit plan is open
    2APR = Annual Percentage Rate
    3See card benefit guide for more details

    Consumer Credit Card Agreement and Disclosure

    Application Disclosure