However you like to spend, have your choice of credit card benefits.
Credit Card Balance Transfers & Cash Advances
3.99% APR4 thru 2023
then as low as 11.25% APR
Carrying a balance on other credit cards?
Simply transfer from your credit card in online banking or speak with a Member Service Representative and save!
1.5% Cash Back Visa Signature®
14.25% as low as APR1
Life’s complicated. Your cash back doesn’t have to be. No categories to keep track of, no minimums or maximums.
1.5% cash back on all purchases in a monthly statement credit or deposit to checking or savings, with no limit
Credit limits from $5,000 to $30,000
Low Rate Visa Traditional®
11.25% as low as APR1
Every dollar counts. Save with our lowest rate. A simple card with the best value for your balance.
Low variable rate
Credit limits from $500 to $30,000
Secured option for building or repairing credit
No Annual Fee, No Application Fee, and a 28-Day Grace Period
Pay your balance in full within 28 days and avoid paying interest on purchases.
Add your Kalsee debit and credit cards to your favorite mobile wallets for the latest in convenience and security. Apple Pay, Samsung Pay, Google Pay... wherever you pay.
Protect your cards from fraud attempts. Lock/unlock your cards in real time, report cards lost or stolen, set limits on the amounts or types of transactions allowed on your card, notify us when you plan to travel, and receive card activity notifications.
You can shop with confidence online and anywhere else when you use your Kalsee Visa credit card. Plus, your card is safer than carrying cash. That’s because Kalsee and Visa work 24/7 to prevent, detect, and resolve fraud.
- EMV chip technology
- Proactive, real-time fraud monitoring
- Identity theft assistance
- Our Zero Liability2 policy means you don’t pay for unauthorized use of your credit card
- With Verified by Visa, your identity is confirmed through a personal password while shopping at participating online merchants
Easy Payment Options
Make payments from your Kalsee account instantly or from your other financial institution via ACH transfer. Or simply transfer funds for a cash advance.
Frequently Asked Questions:
When used carefully, a credit card is a great tool for building credit. Your credit score takes into account a number of factors, such as types of credit (installment vs. revolving), length of credit history (the longer you've had the account/loan, the better), and of course how well you make your payments. Opening a credit card account as early as possible can help you establish longer credit history. And responsibly maintaining your credit card helps prove to future lenders that you're a safe borrower. A secured credit card (secured by funds held in a savings account) is a great option for getting started.
Just be careful not to build up a balance that you can't easily repay. Suggestion: Designate your credit card for certain types of purchases only (gas is a great option due to the large holds gas stations place on pre-authorized pump purchases—it's a good idea not to tie up your debit card/checking funds with that hold).
Activate My Card or Change My PIN?
More to Explore
1 APR = Annual Percentage Rate. Rates subject to change, varies with the market based on the Prime Rate. Some restrictions may apply. Approval subject to credit union requirements and underwriting guidelines. Click for full Credit Card Agreement and Disclosures.(Opens in a new Window)
2 Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.
The legal age to apply for and obtain credit is 18 years of age.
4 APR = Annual Percentage Rate. Intro balance transfer and cash advance APR is 3.99% for each transfer or cash advance that posts to your account between 1/3/23 and 3/31/23, through 12/31/23. After the expiration of your discounted rate the remaining unpaid portion of the original balance transfer request will be subject to your normal variable APR as outlined on your monthly statement based on the specific KALSEE credit card selected. Current rates range from 11.25% APR to 18.00% APR. Payments will be credited to balances with the highest applicable APR first. No balance transfer fee or cash advance fee. If account becomes delinquent 60 days or more, balances subject to the promo rate will revert to the penalty APR of 18.00%. Current KALSEE loans and card balances not eligible.