VISA Platinum — Ardent Credit Union

VISA Platinum — Ardent Credit Union is a personal credit card from Ardent Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 12.99% to 17.99%, based on creditworthiness. Rewards: Unlimited 1.50% cash back via Ardent Cash Rewards.

Other Ardent Credit Union cards & products

• VISA Classic — Personal Credit Card

Sources & citations

• Rewards, Annual fee: https://www.ardentcu.org/borrow/credit-cards (checked 2026-10-23)
• APR: https://www.ardentcu.org/getmedia/0931da4c-b05a-4b75-a593-713ed7edda69/Application-and-Solicitation-Disclosure-June-1-2026.pdf (checked 2026-10-23)
• Credit bureau: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Had-To-Add-Another-CU-Approval/m-p/6228511#M723593 (checked 2026-10-20)