Transfer to our Low Rate Credit Card.

Spending catching up to you? Our low rate credit card is just waiting for you to transfer that balance over so you can start the year out with less worry, more value.

  • No transfer fee +
  • Low Rate of 4.99% promotional APR for 18 billing cycles. After 18 billing cycles, the variable rate may range from 8% APR to 20% APR.
  • Includes Digital Wallet (see info below)

Transfer My Balance

For current Visa® cardholders, view step-by-step instructions here.
For current Mastercard® cardholders, view step-by-step instructions here.


View and Compare Our Credit Cards

ValleyStar Horizon Rewards Visa® Card

Introductory Offer: 5,000 Bonus Points on your first purchase transaction!**

Earn rewards points for every dollar you spend! Points are redeemable for merchandise, travel, gift cards, cash and more.


Interactive Video Player

  • Enjoy a robust uChoose Rewards® program – earn 1 point for every $1 spent on qualifying transactions
  • Rates as low as 9.50% APR*
  • Credit limit up to $30,000
  • No limits or points expiration
  • No annual fee
  • No cash advance fee
  • No balance transfer fee
  • Added security of EMV® chip technology and Visa®
  • 2% foreign transaction fee
Apply Now
ValleyStar Visa Horizon Card

ValleyStar Horizon Visa® Card

Our low rate on the Horizon credit card allows for more purchase flexibility and helps keep you in control of your finances.

  • Enjoy a rate as low as 8.00% APR*
  • Credit limit up to $30,000
  • No annual fee
  • No cash advance fee
  • No balance transfer fee
  • Added security of EMV® chip technology and Visa®
  • 2% foreign transaction fee
Apply Now

Digital Wallet

Digital wallet, or better known as Apple Pay®, Samsung Pay® and Google PayTM, is now available for all debit and credit cardholders.

Digital wallet payments are actually more secure than using your debit or credit card.

WHAT IS DIGITAL WALLET AND HOW DOES IT WORK?

Think of it this way: your credit card now has a second home – your mobile phone (or any other digital device)! When you’re out shopping in stores and you get to checkout, simply tap your phone where you see the digital wallet logo. Or select the digital wallet logo when shopping online and in apps.

HOW DO I SIGN UP?

  • Visit the App store, based on the type of phone, and install the app. Note that newer phones may already have the App installed on the phone.
  • Enter or scan the card information.
  • If you experience issues with the App, call the number provided within the App. If you continue to experience issues, contact us. We are here to help!

Terms and conditions subject to change without notice. Subject to credit approval. Rates may vary based on individual credit worthiness.

*Credit Card Agreement & Disclosures

Credit card approval depends on the applicant’s creditworthiness and other qualifications. Rates, terms and conditions are subject to change without notice. APR (Annual Percentage Rate) is based on the applicant’s creditworthiness and is subject to change. APR will vary with the market based on Prime Rate. Certain restrictions apply. See official credit card agreement and disclosure for complete details.

**Offer valid for qualifying Horizon Visa® applicants. To receive the 5,000 Bonus Points Introductory Offer, cardholders must register their card at uchooserewards.com and make a purchase transaction (not a cash advance). 5,000 Rewards Points will then be added to their uChoose Rewards account within 30 days. If one account has two cards issued, the bonus points offer will apply to the account, not to each card on that account. Offer valid for a limited time only.

+ Rates, terms and conditions are subject to change without notice. Interest will accrue immediately upon completion of the balance transfer. Promotional rate is available from July 1 through September 30, 2021 at 11:59 p.m. ET. Applications must been submitted prior to 11:59 p.m. on September 30, 2021 to be considered for the promotional rate. After 18 billing cycles, the variable rate may range from 8% APR to 20% APR. A balance transfer fee of 2% may apply after September 30, 2021 at 11:59 p.m. ET. Rate based on APR and on the applicant’s creditworthiness and is subject to change and will vary with the market based on Prime Rate. Certain restrictions apply. See official credit card agreement and disclosure for complete details and other fees.