Visa Platinum

  • Travel Accident Insurance $1,000,000
  • Baggage Delay Insurance up to $300
  • Cell Phone Protection
    Cell phone protection that provides reimbursement for damage or theft of a cell phone as long as members charge their monthly cell phone bill to their Visa Platinum card.
  • Auto Rental Insurance
  • Roadside Assistance & Additional benefits 
    Additional Visa Platinum benefits include Purchase Security, Extended Protection, Return Protection, and Roadside Dispatch—get the value you deserve!

 Visa Gold

  • Travel Accident Insurance $250,000
  • Baggage Delay Insurance up to $300
  • Auto Rental Insurance

 Visa Classic

  • Travel Accident Insurance $100,000
    Accidental death & dismemberment insurance for primary cardholder and immediate family members when scheduled travel ticket are purchased with the card.
  • Baggage Delay Insurance up to $300 
    Never worry if your bag will make it or not on your next vacation. Benefits include up to $300 to cover the emergency purchase of essential items needed by the cardholder while on a covered trip in the event baggage is delayed.
  • Auto Rental Insurance
    Car rental insurance coverage when the car is rented using a Visa card.

Visa Cards:

Experience rich benefits with a River City members only Visa credit card. With River City, you’ll never pay an annual fee. See what else a River City Visa credit card offers.

Becoming a River City member just got easier! Apply online, in branch, or by phone.


In Branch


Credit Card Type APR*
Visa Classic 12.90%
Visa Gold 10.90%
Visa Platinum 7.90%
Introductory Rate - All Visa Credit Cards 1 2.99%


*APR stands for Annual Percentage Rate.

Rates shown are based on credit performance.

Loan rates are in effect as of March 2, 2015, and subject to change without prior notice.

1 Introductory rate of 2.99% APR* applicable until the first day of the billing cycle that includes the six-month annviersary of the date of opening the account.

After introductory period, rate ranges from 7.90% APR to 12.90% APR depending on credit performance.

Credit Card Fees Amount
Late Payment 5% of minimum payment due, $15 minimum
NSF (Non-Sufficient Funds) $25

Vantiv's eZ Pay ACH Payment Draft  
Payment by phone via Member Service Center $5
Payment by phone via Automated System $4
Foreign Transaction Fee 1% of transaction amount for charges made outside the US