Save on interest month after month.
The Teachers Visa Low Rate Credit Card helps keep expenses predictable with a reliable low rate—as low as 13.00% APR.* You will save on interest and can transfer balances from higher-interest cards to reduce debt faster, and enjoy the flexibility to manage your budget with confidence. Now that's banking smart.
Visa Low Rate Credit Card Benefits
Low Rate
APR* as low as 13.00%
Save More
No annual fee
Tap to Pay
Secure, easy, contactless payments every time you shop
How to Apply for a Visa Low Rate Credit Card
Prepare
Have your driver's license or government-issued ID and your Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) ready. If opening a joint account, ensure you have your co-applicant’s information on hand.i
Apply
Complete the application with your contact information, employment status, and income.
Validate
Teachers will review your credit score and credit history to determine your APR* and credit approval. Submit any final documentation and securely sign your card agreement electronically.
Activate
Once approved, you will receive your new credit card in the mail within 7–10 business days. Follow the instructions to activate your card online or by phone. Enroll in Online Banking to personalize your account preferences.
Smart Tools for Better Banking
Enjoy secure 24/7 access to your account with Teachers Online and Mobile Banking.
- Monitor transactions, access statements, manage payments, or set travel plans
- Make contactless payments when you add your credit card to a Digital Wallet for fast, secure purchases with your smartphone or smartwatch
- Connect with our support team through online chat
More From Teachers
Visa Platinum Credit Card
Earn unlimited points that never expire for every dollar you spend with the Visa Platinum Credit Card.
Visa Cash Back Credit Card
Earn unlimited cash rewards on every purchase you make with the Visa Cash Back Credit Card.
Disclosures
*APR = Annual Percentage Rate.
All rates and terms are subject to change without notice. Subject to creditworthiness. Not all applicants will qualify.
To report a lost or stolen credit card, call 1-855-462-5880.
For all other questions about your credit card, contact the Teachers Cardholder Assistance Center at 1-855-462-5880 or 1-301-945-3582.
Balance transfer requests can be submitted via Teachers Online or Mobile Banking App or with a Member Service Representative by calling 1-855-462-5880.
Cash advance limits on all Teachers cards are limited to 20% of the Credit line.
Membership at Teachers is required by opening a Regular Savings account or Youth Savings account with a minimum opening deposit of $1.00.