Generous credit limits and low rates

You also receive $1,000 personal identity theft coverage, auto rental collision damage waiver and $400,000 travel accident insurance.⁺

Transferring those high-rate balances to your Sound Visa credit card is easy. Just complete the Balance Transfer Form and drop it off at any branch, or fax it back to the credit union. We'll take care of the rest!

Download Balance Transfer Form

Comparing Sound Visa Credit Cards

Sound Credit Union Visa Gold & Platinum credit cards
APR (Annual Percentage Rate)	Gold 9.95% - 16.95% Platinum 9.95% - 16.95%
Other APRs	Penalty Rate: 18% ^**
Annual Fee	Gold - None Platinum - $25 will be waived if $2,500 or more in annual purchases are made.
Grace Period	25 days
Method of Interest Calculation	Average daily balance
Cash Advance Fee	3% of Advance ($5 minimum)
Late Payment Fee	$29
Overlimit Fee	$29
Per Transaction Fee	None
Minimum Bal. for Finance Charge	$1
Foreign Currency Conversion Fee	1% of the transaction amount

*APR=Annual Percentage Rate

** In the event you fail to make your minimum monthly payment for two consecutive billing cycles, you will be charged a Default Interest Rate. This rate shall be equal to an Annual Percentage Rate of 18%. If you successfully make at least six timely minimum payments after the Default Interest Rate goes into effect, the APR will be reduced to the regular rate pursuant to you Agreement with us.

Applications are subject to credit approval. Your rate and credit limit will be determined by individual credit worthiness including income, debt ratio, employment and credit history.

+ Travel Accident Insurance applies when you purchase common carrier tickets using your Sound Visa credit card. It is an accidental death and dismemberment only policy and does not pay benefits for loss from sickness.