Visa Classic

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Enjoy the convenience, security and buying power of Visa.

  • Credit limits from $1,000 to $25,000
  • No annual fees
  • 16.8% APR for purchases
  • 9.9% APR for balance transfers

Mastercard Gold-Variable Rate

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Discover the convenience and purchasing power of Mastercard with no annual fee.

  • Credit limits from $5,000 to $25,000
  • No annual fee
  • 13.49% APR for purchases
  • 9.9% APR for balance transfers

Mastercard Gold – Non-Variable Rate

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Get the most from your credit card with a competitive rate everywhere Mastercard is accepted.

  • Credit limits from $5,000 to $25,000
  • Annual fee of $25
  • 12.9% APR for purchases
  • 9.9% APR for balance transfers

Expert advice for first time homebuyers

One of the most common, and important, questions we frequently get asked is, “Which should I do first: find a home, a realtor, get pre-qualified or pre-approved?” You might be surprised by the answer.

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3 tips to help you pay for college

When’s the best time to start planning for your child’s education? At Valley Trust, we think it’s never too early. But we know that many of our customers aren’t able to start saving the minute their kids are born.

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  • Disclosure
    U.S. Citizens and Resident Aliens. Valley's credit card programs are available to U.S. citizens and permanent resident aliens residing in the U.S.

    Minimum Age. You must be at least 18 years old to qualify for an account.

    Subject to Credit Approval. Before we approve you for a credit card account, we will review your credit report and the information you provide in your application to determine whether you qualify in accordance with Valley’s credit standards and eligibility requirements.

    USA Patriot Act. Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we must ask for your name, address, date of birth and other information that will allow us to identify you. We may also request your driver’s license or other identifying documents, even if you currently maintain a banking relationship with us. Strict adherence to these regulations helps to protect both financial institutions and bank customers from criminal activity. Your cooperation is greatly appreciated.

    Cardholder Agreement. If an account is opened, you will receive a Cardholder Agreement with your card(s). You agree to the terms and conditions of the Cardholder Agreement by using the account or any card, by authorizing the use of the account or any card, or by making any payment on the account.

    Change in Terms. We have the right to change the account terms (including the APRs) in accordance with your Cardholder Agreement and applicable law.