Visa
Credit Cards

Flexible, convenient Visa credit card

Your life, rewarded

Canopy offers Visa Credit Cards designed to reward your everyday spending — low rates, no annual fee, and real-time fraud alerts. Pick the card with rewards and rates that work best for you.

Need help finding the right fit? We’ve got you covered.

Visa Credit Card	Visa Rewards Card	Visa Classic Card
Rate	Non-variable, as low as 9.90% APR*	Variable, as low as 11.50% APR*
Annual Fee	$0	$0
Rewards	1% cashback + points for travel, merchandise, gift cards	None
Best For	Everyday spending, earning rewards, balance transfers	Building credit or keeping it simple
Balance Transfer Bonus	Earn double points on transferred balances	N/A
Digital Wallet	10.74% – 17.49Apple Pay, Google Pay, Samsung Pay, Garmin, Fitbit	Apple Pay, Google Pay, Samsung Pay, Garmin, Fitbit

*Annual Percentage Rate may vary based on approved credit. Variable rates range from 11.50% APR to 18% APR.

want fraud protection? canopy is here to help

Our Fraud Monitoring Program alerts you by call or text if suspicious activity occurs on your card. High-risk transactions may temporarily block your card until you verify them.

Important: Canopy will never ask for sensitive information over the phone.

credit card calculators

Want to find out what your monthly payment would be to pay off your balance in your desired timeframe?
Check out our Credit Card Payment Calculator!

visa credit card FAQs

Rewarding answers for all your questions.

What documents do I need to apply?

We will request your two most recent pay stubs and any payoff statements if you have balance transfers.

When will I hear back about my application?

We strive to follow-up with you within 1-2 business days.

When will I have access to my card once I’m approved?

Once you're approved, we can print your credit card at any of our locations during business hours so you can start using it right away OR we can mail your new card to you but it may take 7 - 10 business days to arrive.

When are Visa Credit Card payments due?

Visa Credit Card payments are due the 17th of every month.

What happens if my payment is late?

If you don't make your payment by the 17th of each month, you may be charged a fee of 15% of the minimum payment due with a maximum of $35.

How do I add my card to my digital wallet?

Make secure, contactless payments on the go. Add your Canopy Visa Card to Apple Pay, Google Pay, Samsung Pay, Garmin, or Fitbit. Easy setup, fast payments, and your information stays safe.

Learn how to add your card to your digital wallet

How is my interest rate determined?

Your interest rate depends on your credit score.

If you’re an existing Canopy member: You can check your credit score for free using the Savvy Money Credit Score tool after logging into your account.
If you’re not a member: You can get a rough estimate of your credit score using apps like Credit Karma or Credit Sesame. Keep in mind that the score lenders see may differ.
Free official credit report: Everyone is entitled to one free credit report per year at annualcreditreport.com.

How can I increase my credit limit?

If you’d like to boost your credit limit, we can help! Just reach out to us, and we’ll review your account to see what increase might be available.

Can I add authorized users to my account?

Yes! You can add family members or others to your account as authorized users. They can make purchases on the card while you retain control and manage payments.

What is the minimum monthly payment?

Your monthly payment will be either 2.5% of your balance or $10 - whichever is greater.

Is there a foreign transaction fee?

We do have a small foreign transaction fee. You will be charged up to 1% of every US-equivalent dollar spent and 2.5% of each cash advance ($1 minimum).