Visa® Rewards Credit Card

Get rewards, a low fixed rate, and no annual or balance transfer fees, with tools to help you stay on track.

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Rewards are only part of your credit card.

With the Tongass Visa you'll get plenty of ways to earn and use rewards. You'll also get something worth having after the points are spent: a low fixed rate, no annual fee, card controls that put you in charge, and your Tongass team here when you need us.

And those rewards? Earn points on qualified purchases, then use them for cash rewards, travel, gift cards and more.

Low Fixed Rate

Your rate shouldn’t be a moving target. Get a fixed purchase rate from 9.95% to 12.95% APR* based on credit approval. Your rate stays the same when market rates change.

Balance Transfers

Have a balance somewhere else? Move it to your Tongass Visa at 7.99% APR for the life of the transferred balance, with no balance transfer fee.

No Annual Fee

No annual fee means exactly that. You won’t pay a yearly fee just to have your Tongass Visa.

Local, Personal Service

Questions about your card? You don’t have to figure it out on your own. Your Tongass team is here when you need us.

Instant Issue

Why wait for the mail? Get your new Tongass Visa at any Tongass FCU branch or microsite.

Mobile Wallet

Add your card to Apple Pay™, Google Pay™, or Samsung Wallet™ for easy payments using your phone or smartwatch.

Card Controls

Your card, your controls. Review purchases, set alerts, manage your card, or lock it when needed from the Tongass FCU mobile app.

Contactless Payments

Tap your card to pay quickly and securely wherever contactless payments are accepted.

Zero Liability Protection

If someone uses your card without your permission, Visa’s Zero Liability Policy can help protect you from unauthorized charges when you report them promptly.*

Rewards You Can Use Your Way

You earned the points, so you get to decide how you use them.

With Tongass Rewards, you earn 1 point for every $1 spent on qualified purchases with your Tongass Visa®. Then choose what works for you—travel, gift cards, merchandise, live events and more.

Want cash back? Redeem your points for a statement credit.

Special promotions may also give you opportunities to earn additional points.

What matters most to you in a credit card?

There’s more than one way to compare credit cards. Looking at the rate, fees, rewards and other benefits side by side can help you decide what matters most to you.

What to compareTongass VisaAirline Miles Card
Everyday rewards1 point per $1 spent on qualified purchases1 point or mile per $1 on everyday purchases, with higher rewards on airline purchases
Purchase APR9.95%–12.95% fixed APR*Usually 19%–29% variable APR
Annual fee$0$95 or more is common
Balance transfer fee$03%–5% of the amount transferred ($150–$250 on a $5,000 transfer)
Balance transfer APR7.99% APR for the life of the transferred balanceMay start with a promotional APR, then increase to the card’s standard variable APR
Ways to use rewardsStatement credit, travel, gift cards, merchandise, live events and moreMore limited redemption options, with rewards geared primarily toward travel
Travel perksRedeem rewards for travelMay include airline or other travel-specific perks
Help with your cardYour Tongass team is here when you need us - in person, on the phone or via chat onlinePhone support through a national card servicer

Travel rewards card rates, fees, rewards and benefits vary by issuer and card. Airline rewards cards vary. The examples shown reflect common rates, fees and features and are provided to help you compare credit card options. Comparison reflects commonly available travel rewards credit cards as of August 2026.

A few more things you may want to know:

* Annual Percentage Rate. On approved credit. Balance transfer APR is fixed at 7.99% APR for the life of the transferred balance. Purchase and cash advance APR range from 9.95% to 12.95%, based on credit approval. No balance transfer fee. No annual fee for Tongass FCU personal Visa® credit cards. The Secured VISA® Credit Card has a $25 annual fee. No cash advance fee; interest applies. Credit limits up to $25,000 based on credit approval. Example payment: a credit card with a $5,000 balance at 9.95% APR would have a minimum monthly payment of $100.00. Rewards are earned on qualified purchases, less returns, credits, and adjustments. Redemption options, point requirements, values, availability, promotions, and program terms are subject to change. Your account must be open and in good standing to earn and redeem rewards. See the Tongass Rewards Program Terms and Conditions for complete details. Statement credits are not payments. Please make your normal monthly payment before your next due date. Visa’s Zero Liability Policy does not apply to certain commercial card transactions, anonymous prepaid card transactions, or transactions not processed by Visa. Cardholders must use care in protecting their card and notify Tongass FCU immediately of any unauthorized use. Mobile wallet availability may vary by device and merchant. Apple Pay™ is a trademark of Apple Inc. Google Pay™ is a trademark of Google LLC. Samsung Wallet™ is a trademark of Samsung Electronics Co., Ltd. Visa® is a registered trademark of Visa International Service Association.
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