Turn Your Payments into Progress.
Everyone deserves a fresh start. With the Ardent Platinum Visa® Credit Card, you can finally take a breath and move forward. It’s more than a card. It’s your chance to build momentum and start saving smarter.
Enjoy 12 billing cycles of 0% Annual Percentage Rate on balance transfers while earning 1.50% cashback on every purchase and a $150 bonus after $1,500 in purchases. After that, keep your momentum going with a low, fixed rate that helps you plan confidently and spend smarter.
No gimmicks. No surprises. Just a card designed to help you move forward with confidence.
0% APR1
FOR 12 BILLING CYCLES.
After that, the fixed rate will be
After that, the fixed rate will be
12.99 – 17.99% APR
based on your credit worthiness.
1.50%2
UNLIMITED CASH BACK ON PURCHASES.
Redeemable anytime.
Redeemable anytime.
$150 BONUS3
AFTER $1,500 IN PURCHASES.
Must be made within
first 90 days.
Must be made within
first 90 days.
Other Details:
- 2.5% transfer fee.
- Transfers must be completed within 60 days of account opening to be eligible for the $150 bonus.
- Minimum $1,500 per transfer.
- Exclusively for new Platinum cardholders.
- No annual fee.
- No-fee cash advances.
- Other features
Earn Your $150 Bonus in Three Easy Steps:
- Transfer at least $1,500 in balances within 60 days of account opening.
- Make $1,500 in eligible purchases3 in first 90 days of account.
- Bonus deposited into primary cardholder's rewards account within 150 days of account opening.
Existing Ardent card balances are NOT eligible for the 0% APR transfer promo.
New or existing members can take advantage of this limited-time offer by opening a NEW Platinum Card.
FAQs
Approval for the Ardent Platinum Credit Card is based on standard credit criteria, and you’ll need a minimum balance transfer of $1,500 to take advantage of the 0% APR offer. Please note, this offer is available to new Platinum Credit Cardholders only.
A balance transfer lets you move existing credit card debt from another lender to your Ardent Platinum Credit Card. By transferring your balance, you can take advantage of our 0% APR for 12 months and can pay down your debt faster without extra interest getting in the way.
No, this offer is only for balances transferred from non-Ardent credit cards.
Yes, there’s a 2.5% fee for each balance transfer — lower than many national competitors.
Yes! You’ll earn unlimited 1.50% cashback on every purchase you make with your Ardent Platinum Credit Card. Visit Ardent Cash Rewards to learn more.
Once your 12-billing-cycle promotional period ends, a low fixed APR starting at 12.99% applies to any remaining balance. Your APR will be based on your creditworthiness.
You automatically earn 1.50% cash back on every purchase with your Ardent Platinum Credit Card. You can also earn more through special merchant offers. Learn more about the Ardent Cash Rewards program.
To redeem, register for Ardent Cash Rewards in the Cashback Mall through eBanking or at cucashbackmall.com. You can redeem as little as $5, and your cash is deposited directly into your Ardent account within a few business days.
Earn your $150 bonus in three easy steps:
Purchases that count toward earning your bonus:
Purchases that DO NOT count toward earning your bonus:
- Transfer a balance of at least $1,500 to the card within 60 days of opening.
- Make $1,500 of eligible purchases3 within 90 days of account opening.
- The $150 bonus will post to the primary cardholder's cash back balance in Ardent Cash Rewards within 60 days of the 90-day period / within 150 days of account opening.
Purchases that count toward earning your bonus:
- Goods and services minus returns or credits
Purchases that DO NOT count toward earning your bonus:
- Fees
- Interest
- Balance transfers
- Cash advances
- Convenience checks
- Gambling transactions
- Cash equivalents such as money orders, gift cards or prepaid cards
Contact Us
1APR = Annual Percentage Rate. Balance Transfer: 0% introductory APR for the first 12 billing cycles from account opening on balance transfers. After the promotional period, a fixed APR of 12.99%–17.99% applies based on creditworthiness at account opening. Purchases not paid in full by the due date each billing cycle will accrue interest at the Purchase APR established at account opening. Rates, terms and offers are subject to change at any time without notice. No ATM cash advance fees. Balance transfer fee: 2.50% of each transfer amount. Offer valid for new Visa Platinum cardholders opening accounts between 11/12/2025 and 2/28/2026. Limit one promotional offer per account. Minimum amount per transfer: $1,500. Total transfer amount may not exceed available credit line. Offer valid for balances transferred from non-Ardent Credit Union credit cards.
2Cash Rewards: Earn 1.50% cash back on each $1 of eligible purchases. Eligible purchases include goods and services minus returns or credits. Purchases do not include fees, interest, balance transfers, cash advances, convenience checks, gambling transactions, or cash equivalents such as money orders, gift cards or prepaid cards. Learn more about the Ardent Cash Rewards program.
3$150 Bonus: To qualify, you must transfer at least $1,500 within 60 days of account opening and make $1,500 or more in eligible purchases (see Cash Rewards) within 90 days of account opening. Please allow up to 60 days after the 90-day period for the $150 bonus to post to the primary cardholder's cash-back rewards balance. Account must be open and in good standing at the time of posting.