Rate Preferred Visa®

Look no further for a no annual fee credit card with great rates.

  • APR as low as 8.90% on purchases and cash advances*
  • Balance transfers as low as 7.90% APR*
  • No annual or balance transfer fee
  • 25-day grace period
  • Protection against lost or stolen cards

Note: This credit card does not earn rewards. For a credit card with rewards, see the Rewards Preferred MasterCard.


A Visa Just For You

With your Rate Preferred Visa®, you get a no annual fee credit card that is accepted at millions of locations worldwide. Get a reduced annual percentage rate (APR) for the first six billing cycles plus great rates for the life of the card — on everything from purchases to balance transfers and cash advances.

You also get no fee balance transfers, cash-advance capabilities, and a 25-day grace period on payments when you need it.

Want More Details? View the complete Visa Rate & Terms Agreement (PDF).

apply now

Complete our easy online application and choose Rate Preferred Visa. If you are not yet a Credit Human member, we’ll start your membership with your loan application.
All Credit Cards Feature:

Easy Access

With your Credit Human credit card, you get up-to-the minute information online, anytime — including current balances, transaction history, payment due dates, and more.

Digital Wallet

Add your Credit Human credit card to Apple Pay, Samsung Pay or Android Pay and complete transactions right from your mobile device. 
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24/7 Support

When it comes to your credit cards, Credit Human has your back. If your card is ever lost or stolen, call our credit card hotline 24 hours a day, 7 days a week. Just dial 866-839-3485.

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Compare Credit Card Rates

Take a look at how low rates from Credit Human compare to other credit cards.

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Rewards Preferred Mastercard®

Want a card that earns points or cash back? The Rewards Preferred Mastercard® delivers great rates and great rewards!

  • APR as low as 9.90% on purchases*
  • Balance transfers as low as 5.90% APR*
  • No annual or balance transfer fee
  • Bonus points or cash back rewards program

Free Checking

It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.

* Rates are variable and based on an evaluation of credit history, so your rate may differ.