Credit Cards

Visa®  Credit Cards

With a Springs Valley Visa® Credit Card, you'll enjoy competitive benefits, rates and limits along with top-notch customer service.

• Instant Issue Visa® Platinum: Enjoy a great rate on our Visa® Platinum Credit Card.
• Instant Issue Visa® Platinum Promotion: Enjoy a 0% introductory APR₁ for the first six months! After that, your APR will be 13.50%.₂
• Instant Issue Visa® Platinum Rewards: Every time you use your Springs Valley Visa® Platinum Reward Credit Card you will earn points to redeem for merchandise, gift cards, or travel.
• Visa® Business Rewards: We have the right credit card for your growing business. Our Springs Valley Visa® Business Rewards Credit Card allows you to keep your company’s expenses on track and gives you the buying power you need. With Spring Valley’s card you will earn points to redeem for merchandise, gift cards, or travel.

At Springs Valley, your Platinum Rewards Visa® Credit Card and Business Rewards Visa® Credit Card give you the adventure to choose your rewards with uChoose Rewards®*.  To learn more about uChoose Rewards®, click here. 

Effective February 1, 2021, your Springs Valley Bank & Trust Company credit card will no longer provide Auto Rental Collision Damage Waiver (ARCDW) benefits. All other card benefits (Roadside Dispatch®) will remain in place.

*uChoose Rewards® is a registered trademark of Fiserv, Inc.

Easy Access Line of Credit

If you find yourself needing extra cash, just access your Easy Access Line of Credit simply by writing a check for more than the balance in your account. The bank will automatically pay up to your established credit limit. You decide when and where to write yourself a loan. It's that easy!

Secured Credit Card

Springs Valley’s Secure Credit Card is offered as an alternative for customers who are denied for a traditional credit card or loan. The card is designed for customers who are looking to build or rebuild credit. 

Contactless Pay

Provides an interactive view for you to analyze your financial portfolio to uncover new opportunities and make well-informed financial decisions.  

How to tell whether your card is contactless - To check whether your Springs Valley card is contactless, just look for the contactless symbol on the front of your card by the EMV Chip. The contactless symbol is four curved lines that get bigger from left to right. You might notice that it looks similar to the Wi-Fi symbol. 

How to use a contactless card:
1. Look for the contactless symbol on the card reader. The four curved lines that appear on your card should also appear on contactless-enabled card readers.
2. When prompted, hold the card within one to two inches of the contactless symbol.
3. If your purchase is approved, you’ll receive confirmation—typically a beep, green light or check mark.

Contactless card security - Contactless cards are just as secure as chip cards at a chip-enabled register, and they’re even more secure than magnetic stripe payments. Each contactless transaction creates a unique, one-time code or password. This helps reduce security risks since the code can’t be used again—and it can be read only by the card-processing network.

Loan Disclaimer: Loans and Assistance programs for qualified applicants only. View consumer loan rates online and for all other current rates, call one of our Loan Officers. Consult your tax advisor regarding tax deductibility. Certain closing costs may apply. Lender is not affiliated with government agencies. Loans are subject to credit review and approval.

¹The introductory purchase and balance transfer monthly periodic rates are equal to 0.00% for the first six (6) months. 

²The purchase and balance transfer APRs are equal to the Prime Rate plus a margin of 5.00%. The purchase and balance transfer monthly periodic rates are equal to 1.1042%. This APR will vary with the market based on the Prime Rate.