Credit Cards

Have purchasing power in your hands at all times with a Visa® credit card from Garden Savings. Whether you’re in-store or online, making purchases is as simple as swiping your card or punching in a few numbers. On top of convenience, our credit card pays in other ways too. Earn one point for every dollar spent using your card, redeemable for travel and other valuable rewards. Plus, fixed rates and no hidden costs take the guesswork out of your monthly payments.



  • Enhanced purchasing power locally, across the globe, or online
  • Accepted anywhere Visa is accepted, worldwide
  • Competitively low, fixed rate*
  • No hidden costs
  • No minimum finance charge
  • No annual fee
  • 25-day grace period
  • Access uChoose Rewards® program
    • Earn one point for every dollar spent using your card
    • Redeem points for travel and other valuable rewards
    • Easily track and manage your rewards activity online
  • Easy account access – view balances, transaction histories, and make payments from your computer
  • Avoid finance charges – when your balance is paid in full within 25 days
  • Easily replaced if lost or stolen 

Free Online Security

Visit and register your card to be protected with ultimate security when making online purchases.

Free Balance Transfers

Take advantage of your entire credit limit and low rate by transferring balances from other credit cards to your Garden Savings Visa Credit Card. Enjoy the convenience of having fewer bills, lower payments, and no balance transfer fees. Balance transfer forms found here.

Free Cash Advances 

Take advantage of cash advances with your Visa card at any Garden Savings branch or any financial institution displaying the Visa logo. There is NO cash advance fee from us. Interest accrues from date of advance.

VISA Purchase Alerts 

We’re taking security to the next level with this added safety feature.
In September, we launched Visa Purchase Alerts – a free benefit for all of our Visa cardholders. This enhanced security feature enables you to receive alerts based on purchases you’ve made with your Visa. You can use the info to monitor transactions, watch for fraud, and even to make future purchase decisions. Receive alerts via text message or email. Visa Purchase Alerts – just one more way we’re looking out for you!

Learn more at:

View Full Visa Disclosure

Visa Credit Card Terms and Conditions

Request a Balance Transfer

It's quick and easy to apply