The card that pays you back.

Start earning cash back on all of your purchases with Saratoga’s Credit Union's VISA® Credit or Debit Card. Apply online and we can have your card ready to pick up in the branch the same day. With our instant issue technology we will print your card in the branch so there is no wait time to start building those rewards.

Apply  Rates & Terms

Rewards, Rewards, Rewards
All cardholders are part of our Incite member rewards program. The more you use your card, the more points you earn. Rewards points can be redeemed for cash back, gift cards, travel, merchandise and more!

Incite Rewards Program



Transfer your higher interest balances to our Visa Platinum and enjoy a low 6.99% Annual Percentage Rate on those balances until they are paid off.  Featuring no balance transfer or cash advance fees makes this card the simple choice.  Current cardholders can complete our Balance Transfer form and start saving today.  New to our VISA program, apply online today.

Balance Transfer Form