Visa Credit Cards From Canopy Credit Union

Q: What rate do I qualify for with my credit score?

Your interest rate will depend on your credit score. You can find a rough estimate of your credit score by downloading apps like Credit Karma and/or Credit Sesame but your true credit score will most likely be different when we pull it for your application. You can get one free credit pull per year (without having to apply for a loan) at annualcreditreport.com . Learn more about what makes up a credit score and how you can improve it in our blog What Makes up a Credit Score?

Choose a card that fits your style

We have some of the best Visa Credit Cards in Spokane! Both of our Canopy Credit Cards have low rates, no annual fee and real-time fraud security alerts! The main differences are the rates and rewards.

apply for a visa credit card

Visa Rewards Card

Transfer your credit card balance to our Visa Rewards Credit Card and earn more!

Are you carrying a balance on a high-interest credit card at another financial institution? When you open a Visa Rewards Credit Card at Canopy, we'll give you DOUBLE THE POINTS on the amount you transfer.

Apply for our Visa rewards credit card

*Annual Percentage Rate may vary based on approved credit. Non-variable rates range from 9.90% APR to 18% APR.

Visa Classic Card

This is our classic credit card. It is a great fit if you're looking to keep it simple and build credit. Check out this credit card's benefits:

Variable rates as low as 12.50% APR*
No annual fee
Real-time fraud security alerts

apply for a visa classic credit card

*Annual Percentage Rate may vary based on approved credit. Variable rates range from 12.50% APR to 18.00% APR.

woman holding canopy cu visa rewards card

Canopy Visa Credit Card Benefits

Your Canopy Visa Credit Card has access to ID Navigator Powered by NortonLifeLock FOR FREE

Once you sign up, you’ll have access to the following complimentary benefits.

Dark Web Monitoring
Data Breach Notifications
Stolen Wallet Assist
One-Bureau Credit Monitoring Alerts¹
Credit, Bank & Utility Account Freezes
Restoration Assist
US-based Member Services & Support

Learn more about this benefit and confirm your eligibility today!

learn more

Fraud protection services

We have a Fraud Monitoring Program that calls or texts you when a suspicious transaction occurs on your card. This system will sometimes temporarily restrict/block your card based on how high-risk the suspicious transaction was. You will receive an automated text or voice message that will ask you to validate the transaction(s) and provide you with a case number.

Canopy's Fraud Monitoring System will call from 877.253.8964 or text from shortcode 37268

What to do if your card is lost or stolen

If your card has been stolen or lost, please call 833.221.8684.
If you wish to dispute charges, please call 833.221.8685.

Canopy's system will never call you and ask/require your protected information!

Upload Your Canopy Card(s) to Digital Wallet

Interested in an easy way to make contactless payments with your Canopy card? We've partnered with Apple Pay, Google Pay, Samsung Pay, Garmin and Fitbit to give you access to this easy and safe way for you to make payments on the go. You can view the specific instructions for how to upload your Canopy cards to your preferred digital wallet system here.

Visa Credit Card FAQs

We work hard to make sure we get back to you as soon as possible. We will follow-up with you within 1-2 business days.

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

Your interest rate will depend on your credit score. If you're an exsisting Canopy member you can access your credit score for free with the Credit Score tool from Savvy money after logging into your account. Otherwise, you can find a rough estimate of your credit score by downloading apps like Credit Karma and/or Credit Sesame but your true credit score will most likely be different when we pull it for your application. You can get one free credit pull per year (without having to apply for a loan) at annualcreditreport.com. Learn more about what makes up a credit score and how you can improve it in our blog What Makes up a Credit Score?

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.

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.

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

There is NOT a fee for withdrawing cash from your Canopy Credit Card at Canopy locations but you will pay interest on the amount you withdraw the next time your monthly payment is due (even if you've already paid your balance off that month).

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

If you pay off the balance showing on your credit card statement every month, you can avoid paying any interest on your card. There are exceptions to this like cash advances and balance transfers but that is the general rule of thumb!

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).

No one can prevent all identity theft.

¹Two requirements must be met to receive the One-Bureau Credit Monitoring feature: (i) your identity must be successfully verified with Equifax; and (ii) Equifax must be able to locate your credit file that contains sufficient credit history information. If these requirements are not met you will not receive credit features from Equifax. You will receive Credit Features once the verification process is successfully completed. Any credit monitoring from Equifax will take several days to begin after your successful plan enrollment.