| Experience the Freedom and Flexibility of Visa Blue |
With low variable rates and no annual fee, Sound Visa Blue cards are designed to give you freedom and flexibility when making purchases and payments.
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 View Rates
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| Why choose a Visa Blue card? |
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Competitive variable rates
No annual fee
No balance transfer fees
Personal identity theft coverage of $1,000
Travel accident insurance coverage of $400,0004
Auto rental collision damage waiver
Online purchase protection with Verified by Visa
25-day grace period on purchases
Plus, earn $100 instant credit when you open a new Visa with Sound.**
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| How to Apply |
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Apply Online
Call our Contact Center
Visit a local branch
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Already have a Sound Credit Card?
Use our secure Balance Transfer Form to quickly and safely transfer card balances online.
**$100 Instant Credit Disclosure
Members with a Sound or Watermark Visa credit card are excluded from this offer. Limit one $100 Visa incentive per household. Participants of this promotion may receive a 1099 MISC Form for tax purposes. Offer is subject to change at any time.
| Card Type |
Blue / Blue Secured |
Platinum |
| Interest Rates and Interest Charges |
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Annual Percentage Rate (APR) for purchases, cash advances, and balance transfers |
10.95% - 17.95%
depending on your credit history. This APR will vary with the market based on the Prime Rate.1 |
11.95% - 18.95%
depending on your credit history. This APR will vary with the market based on the Prime Rate.1 |
| Grace Period: How to avoid paying interest on purchases |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance by the due date each month. |
| Minimum Interest Charge |
None |
None |
| How we will calculate your balance |
Average daily balance (including new purchases) |
Average daily balance (including new purchases) |
| For credit card tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
| Fees |
| Annual Fee |
None |
$39 (waived with $2,500 or more in annual purchases) |
| Balance Transfer Fee |
None |
None |
| Cash Advance Fee |
4% of advanced amount ($10 minimum) |
4% of advanced amount ($10 minimum) |
| Foreign Transaction Fee2 |
1% of the transaction amount |
1% of the transaction amount |
| Late Payment Fee |
$25 |
$25 |
| Over Limit Fee |
None |
None |
| Card Benefits |
| Extra Awards Points3 |
None |
Earn one (1) Award point for every $1 you spend. Points can be combined and redeemed with Visa Debit card purchases. |
| Personal Identity Theft Coverage |
$1,000 |
$1,000 |
| Auto Rental Collision Damage Waiver |
Yes |
Yes |
| Travel Accident Insurance4 |
$400,000 |
$400,000 |
| Verified by Visa |
Online purchases are secure when you register |
Online purchases are secure when you register |
1APR is Annual Percentage Rate. Variable Rate Information: The Annual Percentage Rate may increase or decrease if the Index increases or decreases. The Index is the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' column of the Wall Street Journal. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of: For Visa Blue & Visa Blue Secured: 7.70%-14.70%. For Visa Platinum: 8.70%-15.70%. The interest rate can change monthly on the first day of each month following a change in the Prime Rate as of 5 days before the end of the previous month. The Annual Percentage Rate will never be more than the maximum rate allowed by applicable law. Any increase will take the form of more payments of the same amount.
2A fee of 1% of the transaction amount will be charged in US dollars for all foreign transactions including purchases, cash advances, and credits to your account.
3Redemption of Extra Awards points is subject to the terms and conditions of Awards program.
4Travel 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.
Complete Visa Cardholder Agreement and Disclosure
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Financial Counseling
Extra Awards
