Visa Credit Cards

Do you have a lot on your holiday shopping list? We’ve got a great option for you! When you open your new Scient Visa® Platinum Rewards Credit Card and spend $1,500 in the first three months, you’ll get 15,000 rewards points!* It’s that easy!

We reward you simply for doing your holiday shopping. What are you waiting for? 


*Offer valid for new Scient Visa® Platinum Rewards cardholders only from October 1 – December 31, 2017. To qualify and receive your 15,000 bonus points, you must make Purchases totaling $1,500 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cashlike transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, interest, unauthorized or fraudulent charges, and fees of any kind.) To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. After qualifying, please allow 6-8 weeks for rewards points to be added to your account. 

Your Scient Visa® Credit Card is both safe and affordable. You won’t have to jump through hoops to understand how to avoid getting overcharged. 

Your Scient Visa credit card’s fraud protection is being enhanced. Learn how here.

Highly Competitive Rates

As with all of our other loans and savings options, your Visa Credit Card rates are set to help you save money.


We take security very seriously. Our credit cards have the following enhanced security features to protect you against fraud:

  • When your Visa Credit Card is being used in an unusual location or manner, we take notice. Please let us know about your travel plans to avoid any service interruption.
  • Verified By Visa® for online transactions. Click here to learn about how this feature works.
  • Visa’s Zero Liability Policy® is our guarantee that you won’t be held responsible for unauthorized charges made with your account or account information. You’re protected if your Visa Credit or Debit Card is lost, stolen or fraudulently used, online or offline.


Your Scient Visa Credit Card also comes with:

  • 25-day grace period on all purchases
  • Easy payment options
  • 24/7 online account access in online banking
  • Free text or email account alerts to verify your purchases***
  • Free eStatements
  • Jump start your year with Visa Savings

For easy management of your credit card, download the Visa App today. Everything from viewing pending transactions to reporting your card lost or stollen the app gives you another way to simplify your life.

* APR= Annual Percentage Rate. **Offer valid for new Scient Visa Platinum Rewards cardholders only. Balance transfer fee is $10.00 or 3.00% of the amount of each balance transfer, whichever is greater (Maximum Fee of each balance transfer request is $150.00).  The 1.90% promotional rate will apply on all purchases for 12 months from the account opening date. The 0% promotional rate and 5,000 bonus points will apply on balance transfers over $3,000 for 12 months from the account opening date. Rate for balance transfers under $3,000 is 1.90% for 12 months with 1,000 reward points. After that period, your rate will increase to at least 9.99%, but no higher than 18% depending on your credit score. Your rate will be based on adding a margin to the Prime Rate. The Prime Rate used to determine your rate is published in the Wall Street Journal quarterly (February, May, August, November) and changes are effective as of the first day of your next billing cycle. Current WSJ Prime Rate is 4.25% as of June 20, 2017. Certain restrictions may apply.  Annual fee of $79/year applies after first year to Scient Visa Helix card.  *** Text message fees may apply. Please check with your cell phone provider. **** Annual fee of $79/year applies after first year.