• 1.99% APR* introductory rate for 12 months. Fixed rate after introductory period.
  • Purchases earn 1 point for every dollar spent for gifts and travel rewards through ScoreCard® Rewards
  • No fees for maintenance, balance transfers or cash advances
  • Free extended warranty protection and car rental insurance
  • $500,000 travel and accident insurance
  • 1.99% APR* introductory rate for 12 months. Fixed rate after introductory period.
  • 1% cash back rewards for every dollar spent
  • Credit limits to $50,000
  • No fees for maintenance, balance transfers or cash advances
  • Free concierge service
  • $1 million travel and accident insurance
  • Emergency services for lost and stolen card reporting available 24 hours a day, 7 days a week at 1-800-543-5073
  • Optional Warranty Manager Service, Travel and Emergency Assistance, and Auto Rental Insurance available by calling 1-800-VISA-911
  • Concierge Services which provide limousine services, meet and greet service, performance and special event seating, golf information and reservations, personalized services and dining reservations just by calling 1-877-860-1099.
  • 1.99% APR* introductory rate for 12 month. Fixed rate after introductory period.
  • Fixed APR*
  • No fees for monthly balance payoff, maintenance, balance transfers or cash advances
  • Great for consolidating high-interest balances elsewhere
  • Ideal for people starting to build credit history
  • Secured by an interest-bearing Ardent Free Checking account
  • No application fee
  • $25 annual fee
  • Fixed rate

*APR = Annual Percentage Rate. On Ardent Visa® Classic, Gold and Platinum cards, for an introductory period of 6 billing cycles after you receive your credit card, the Annual Percentage Rate for purchase and balance transfer will be a lower rate than the permanent Annual Percentage Rate. After the introductory period, the permanent Annual Percentage Rate will apply to all purchase and balance transfers.

Visa® Gift Cards

  • Use anywhere Visa® is accepted
  • Purchase in amounts from $20 to $500

Learn More

Visa® Transfer

  • Save money by transferring your higher credit card balances to an Ardent Visa® with a lower rate
  • No fees to transfer your balance

Learn More

Visa® ScoreCard Rewards

Reward yourself with great merchandise and travel rewards each time you swipe your Ardent Visa Debit or Visa Gold Credit Cards.

Learn More

SecurLOCKTM

  • Turn your cards on and off
  • Receive instant transaction notification
  • Set transaction spending limits

Learn More