Credit that works with you

A digital wallet is an electronic device or online service that lets you make electronic transactions without presenting a physical debit or credit card, typically using your mobile device but sometimes on a website.

Apple Pay: To start open your Wallet > tap + to add card > Scan card > Enter CVV Code >Accept Terms and conditions.

Google Pay: To start open your Wallet > Tap Add Card > Scan Card > Enter CVV Code > Save and Continue > Accept Terms and Conditions > Verify card with OTP (one time pin) > Registration complete.

Samsung Pay: To start open your Samsung Pay > Sign In to Samsung Acct > Add payment card > Scan Card > Accept Terms and Conditions > Verify card with OTP (one time pin) > Registration complete.

For in-store purchases, they generally use a contactless payment terminal by tapping their contactless credit card or a payment-enabled smartphone or smartwatch over the contactless payment terminal.  You can use your wallet for online purchases anywhere you see your phone’s digital wallet logo. Or as a card on file transaction.

3-D Secure formally known as Verified by Visa helps ensure that payments are made by the rightful owner of the Visa account, to make online purchases more secure. It aims to make your online transactions as secure, fast, and convenient as purchases you make in a store.

3-D Secure usually works behind the scenes when you’re shopping online, using advanced technology to confirm your identity. If there’s any doubt such as when you use a new device or make an unusually large purchase – you may be asked by your bank to provide more information to confirm the purchase.

Visa always offers comprehensive fraud protection to cardholders. With 3-D Secure, you get an extra layer of security to protect your identify and your shopping experience online.

What’s Changing? What is 3-D Secure?

When you shop at 3-D Secure participating merchants, the 3-D Secure provider runs a risk model that scores the transaction and a rules engine that uses the score and other transaction data to determine the risk of each transaction. Based on the result of the risk decision the transaction will be approved or denied.

Approved authentication will be transparent to you. You will no longer be prompted for enrollment and a password.

You will be presented with the following message when authentication is declined:

“Authentication Failed. To ensure the highest level of security, this card cannot be used to complete this transaction. Please contact your nearest branch for assistance.”

Benefits of Risk-Based Authentication

• Faster checkout time, and shopping cart abandonment
• Eliminates fraudulent enrollment/password reset
• Transaction risk determined by risk model and rules engine

More information about Verified By Visa and 3-D Secure.

Volt offers three flexible Visa® credit card options each designed to fit different credit needs and goals:

• Platinum Card – Low interest rate (requires a credit score of 680 or higher)
• Preferred Card – interest rate, no minimum credit score required
• Secured Card – interest rate, perfect for building or rebuilding credit

Whether you’re looking for a low rate, more flexibility, or a fresh start, we’ve got a card that’s got your back.

Volt’s Share Secured Visa® is designed for building or rebuilding credit.

You’ll deposit at least $300 into a Volt savings (share) account, and that amount becomes your credit limit — a safe, controlled way to grow your credit history. Your deposit stays secure while the card is active and gets released once the balance is paid in full and the card is closed. It’s a smart, steady way to strengthen your credit with Volt in your corner every step of the way.

Interest rates vary by card type and your credit profile. You can review current APRs and rate details by viewing the rates section on the credit card page.

No. All Volt credit cards come with no annual fees, helping you keep more of your money while enjoying great benefits.

Some Volt Visa® cards include features like cash-back rewards thru Momentum Rewards, travel accident insurance, balance transfer options, free balance transfer at any time, and enhanced fraud protection to help you save and spend smarter.

Yes! Volt offers free balance transfer options at any time so you can move balances from higher-interest cards to your Volt Visa® and potentially save on interest.

• Platinum Visa®: Typically requires a stronger credit profile.

• Preferred Visa®: No minimum credit score required, making it accessible.

• Share Secured Visa®: No credit check required.

Applying is easy — just click Apply Now on the top of the credit card page and complete the secure online application. Existing members can also apply directly through online banking.

Yes! After approval, you can manage your credit card through Volt’s Online Banking and Mobile App, including payments, statements, alerts, and more.

Yes! With Volt’s Digital Issuance, you can add your new debit or credit card to your digital wallet within minutes of approval—so you can start making purchases right away, even before your physical card arrives.