VISA Credit Cards

Think Visa Credit Cards allow you to make purchases against a pre-approved credit limit. You have a 25 day grace period on purchases. After the grace period ends you pay interest on any accessed funds for as long as you use them. Repaid funds are available for you to use again and again.


  • Same low rate for purchases, balance transfers and cash advances. Current rates are available here.
  • No annual fees or transfer fees for domestic transactions.
  • Accepted worldwide.
  • Cash advances at ATMs worldwide.
  • Credit limits up to $50,000.
  • Student Visa card with a $500 limit available.
  • Foreign transaction fee is 1% of transaction amount.
  • Access account information and make payments online or by phone.
  • Low monthly repayment.

Added benefits through Visa:

  • Travels and emergency assistance*.
  • Auto rental insurance*.
  • $1 million travel accident life insurance.
  • Warranty manager service*.

*Visa benefits carry certain terms and conditions subject to change annually. Click here for Think VISA Credit Card benefits.

Balance transfers:

You may save money by transferring balances from a higher rate credit card to a Think Visa Credit Card. Call or email to set up a balance transfer.

Payment options:

Help avoid late fees and make your life easier by using one of the following payment options.

  • VISA option: schedule one-time or recurring payments from either your Think account or your account at another financial institution by accessing your VISA account through online banking.
  • Bill pay option: schedule one-time or recurring payments from your Think account.

How to apply:

Apply online, visit one of our branch locations or call us at 1-800-288-3425.

VISA Credit Card Agreement.

Related Links:


Apply Online

Verified by VISA

Lost or stolen card?

1-866-839-3485 (24 hours a day)

VISA Credit Card customer service:

During business hours:

After business hours:

Report Fraud or Dispute a charge:



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Think Mutual Bank

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Insurance products are offered through Think Insurance (MN license # IA-538), not Think Mutual Bank. Insurance products are not FDIC insured, are not insured by any federal agency, and are not a deposit or guarantee of Think Mutual Bank. This is not a policy. For a complete statement of coverages and exclusions, please see the policy contract.

The financial advisors of Think Financial Planning offer securities and advisory services through Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. Investments are not insured by the FDIC and are not deposits or other obligations of, or guaranteed by, any depository institution. Funds are subject to investment risks, including possible loss of principal investment. Think Mutual Bank is not a registered broker-dealer or Registered Investment Adviser. Think Mutual Bank and Commonwealth are separate and unaffiliated entities. Fixed insurance products and services offered by CES Insurance Agency, Think Insurance, or Think Financial Planning. Think Financial Planning is headquartered at 5200 Members Pkwy NW, Rochester, MN 55901. Check the background of this firm on FINRA's BrokerCheck.

This information is provided for new customers who live or work in Minnesota, and for existing customers residing in the states of AR, AZ, CA, CO, FL, IL, IN, IA, KS, KY, MA, MD, MI, MN, MO, MT, NM, NV, NY, ND, NC, OH, PA, SD, TN, TX, UT, VA, WA, WI, WY. No offers may be made or accepted from any resident outside of these states due to various state regulations and registration requirements regarding investment products and services.