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Swipe smarter and play bigger

BR Telco says "Game On" to starting your credit journey. Open your Starter Visa between March 1 and June 30 and you could win a PS5!1

Make Your First Move

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Just getting started with credit? Our Starter Visa Gold is made for you. Simple, safe, and perfect for building your credit score while also building your XP!

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$1,000 Maximum Credit Limit

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No Credit History Needed

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Real-Time Card Controls and Alerts

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No Fees and No Nonsense

Minimum Loan Amount: $500 — APR as low as: 12.90%2

Learning how to spend responsibly?

Our Starter Visa is made for beginners. Track your spending, build your credit history, and get on the path to financial success. Better rates on your first car, your first apartment, your next level. It all starts here.

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Level up with every swipe. 

Use your Starter Visa for everyday purchases like gas, groceries, or streaming so it can quietly build your credit in the background. That stronger score can help when it's time for an apartment, car loan, or whatever comes next.

No Rage Bait — Just Sign Up

Starter Visa FAQs

What is a credit card, and how does it work?

A credit card lets you borrow money up to a certain limit to make purchases. You must pay back what you spend, and if you don’t pay it all back by the due date, you’ll be charged interest.

What is a credit limit?

It’s the maximum amount you can spend with your card. At BR Telco, you have up to a $1,000 limit.

What happens if I miss a payment?
Late payments can lead to late fees and a negative impact on your credit score.
Can I avoid paying interest?

Yes! Pay your full balance by the due date every month and you won’t pay any interest.

Does this card help build credit?

Yes. We’ll report your payment history to the three major credit bureaus (Equifax, Experian, and TransUnion), helping you build a credit score with consistent, on-time payments.

Do I need to have a credit history to apply?

Nope. You can get your first card with little or no credit history needed.

Can I upgrade this card later?
Yes. We allow you to upgrade to a better card (with rewards or a higher limit) after 12 months of responsible use.
Is this card accepted everywhere?

Yes. Visa is accepted at millions of merchants worldwide, both in-store and online. If traveling aboard, you should check transaction fees before traveling.

Is there a mobile app?

Yes! Use our app to track spending, make payments, and manage your card with Card Controls. It’s the easiest way to stay in control.

What is the fee for a balance transfer?

Zero. Zip. Nada. We offer no-fee balance transfers for all our Visa® credit cards.

Are there any annual fees?

Nope! Enjoy zero annual fees with our credit cards.

How do I report my credit card lost or stolen?

If you need to report your card lost or stolen, please contact the credit union during normal business hours (Monday through Friday, 8 am to 4:30 pm) at 225.924.8900. If it’s after hours, please call 888.297.3416 for assistance.

Not a member? Membership with BR Telco is easy! 

Do you live, work, or attend school in one of the following parishes?

  • Ascension
  • East Baton Rouge
  • East Feliciana
  • Iberville
  • Livingston
  • Pointe Coupee
  • Saint Helena
  • Tangipahoa
  • West Baton Rouge
  • West Feliciana

Are you a parent, child, sibling, grandparent, grandchild, stepparent, or stepchild of a BR Telco member?

If you answered yes to either of these questions, you are eligible to join the credit union movement.

 

JOIN TODAY

It's your move!

Are you ready to build your credit and start winning at life?

Start Building Your Score

Disclosures

1 — No purchase or payment of any kind is necessary for entry into the promotion. The odds of winning depend on the number of eligible entries received. You must be a member of Baton Rouge Telco Federal Credit Union to participate in the promotion. The winner will receive a Play Station 5 game console. To be eligible for the drawing, members must apply for and be approved for a Starter Visa Credit Card between March 1 and June 30, 2026. The drawing will take place on July 15, 2026. You must be 18 years or older at the time of the entry to participate. All Baton Rouge Telco Federal Credit Union members can enter the promotion by sending a postage prepaid, hand-printed 3 ½ x 5-inch card containing their name, address, email address, and phone number to the following address: Baton Rouge Telco Federal Credit Union – Starter Visa Credit Card Promotion, 13404 Airline Hwy., Baton Rouge, LA 70817. Employees of Baton Rouge Telco, volunteers and their families are not eligible.
 
2 — Quoted APR is Telco's current rate. All rates, terms, and conditions are subject to change and are based on creditworthiness. Low minimum monthly payment of only 2% of balance or $10 (whichever is greater). Cash advance fee of $10.00 or 2% of the amount of each cash advance (whichever is greater). Transfer Overdraft Protection Fee: $5.00 per transfer - if you opted to use the LOC as a transfer source. Account Transfer Fee: $10.00 or 2%, whichever is greater, per transaction. This includes any transfer of funds from the LOC to an account, either in person or electronically.

See our Visa Disclosure for additional information.

APR rates for the Visa Gold Credit Card are determined by several factors, including your credit score, monthly income, and debt repayment history. Please contact your nearest Baton Rouge Telco branch to learn more.