Apply for a credit card – pick a card, any card

Pick up the tab around town or across the pond with Andigo’s Visa Platinum credit cards, all free of annual fees! With the best credit card deals around, you’ll earn more every time you swipe.

Banking for your business? Head over this way.

Visa Platinum Cash Back Card: For the cold, hard cash lovers

Platinum Cash Back


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The card that pays you back with every purchase.

  • Earn 1% cash back on all purchases*
  • No annual fee or minimum finance charge
  • No minimum purchase requirement
  • No fees for balance transfers 
  • Zero liability from fraud with the Andigo Total Protection Guarantee
  • Payment Protection available
  • After the introductory rate, the variable APR will be 10.24% - 19.24%, based on your creditworthiness
Visa Platinum Rewards Card: For the reward reapers

Platinum Rewards


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Earn valuable reward points every time you use it.

  • Earn one ScoreCard point for every dollar you spend with the card
  • Redeem points for merchandise and travel awards
  • No annual fee or minimum finance charge
  • No minimum purchase requirement
  • No fees for balance transfers 
  • Zero liability from fraud with the Andigo Total Protection Guarantee
  • Payment Protection available
  • After the introductory rate, the variable APR will be 11.65% - 20.65% based on your creditworthiness
Visa Platinum Card: For the low-rate lovers



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The frills-free card with the lowest rate.

  • No annual fee or minimum finance charge
  • No fees for balance transfers
  • Zero liability from fraud with the Andigo Total Protection Guarantee
  • Payment Protection available
  • After the introductory rate, the variable APR will be 9.65% - 18.65% based on your creditworthiness

*Cardholders will earn a 1% cash reward for every $1 in net purchases (purchases minus returns/credits) made on their Andigo Visa Platinum Cash Back Card, rounded to the nearest one cent ($.01). The following purchases/transactions do not earn cash rewards: cash advances, balance transfers and account fees. All Andigo credit cards are subject to credit qualification. A complete description of Andigo’s Cash Back Program Rules is available by calling 877.270.6392, options 3 and 3.

Card disclosure for all credit cards. 

Have questions about Andigo credit cards? We’ve got answers.

What is the Andigo Total Protection Guarantee?

It’s our promise to you to ensure you’re covered. That means if any unauthorized transactions occur on your Andigo accounts as a result of using our online or automated telephone banking services or fraudulent Visa debit or credit card signature transactions, your liability will be zero dollars.

What is your foreign transaction fee?

If you're traveling overseas keep in mind the foreign transaction fee:

credit cards: 2.00% of each transaction in US dollars
debit cards: 1.00% of each transaction in US dollars

Don't forget that we reimburse ATM fees (up to $12) if you have one of our Cash Back or High-Yield Checking accounts.* Once you get to your destination, take cash out at the local ATM and shop fee free!

Note about the VISA Platinum Foreign Transaction Fee: International Transactions (Transactions completed by merchants outside of the United States are considered foreign transactions, regardless of whether you are located inside or outside the United States at the time of the transaction).

Can I use my Debit or Credit card overseas?

Pretty much anywhere, yeah. Rule of thumb is that your card is accepted wherever Visa is accepted. To be sure, let us know where you're heading and when you’re traveling before you go by sending us a secure message in online banking (for current Andigo members) or calling toll-free at 877.270.6392. We'll make sure you don't run into any issues.

How long does it take to receive my new Visa credit card or debit card and PIN number?

Plan on 10-14 days, but we'll do our best to get them to you as quickly as possible. Scout's honor.

My Andigo Visa credit card or debit card doesn't work, what is the problem?

Common issues:

  • You may not have enough funds available in your account.
  • Did you make a deposit recently? May just be that your account hasn't updated yet.
  • You may be using an incorrect PIN number.
  • If it's a new card, it might not be activated yet. Go to an ATM and to perform a transaction (e.g., balance inquiry or withdraw funds) or call 866.633.5293 to activate it before you try to use it.
  • The store/site you're trying to buy from may be experiencing difficulty with their equipment (e.g., their system might be offline).
  • The strip on the back may have been demagnetized, so you'll need to order a new card.
  • Your card may be temporarily blocked by fraud department for possible suspicious activity and needs a verification.

Regardless, give us a call and we'll help you figure it out 847.576.5199 or toll-free 877.270.6392.

How much is the fee for obtaining a cash advance on a Andigo VISA credit card?

Cash advances come with am immediate (no grace period, sorry) 3.00% fee of the transaction amount ($5.00 minimum). Interest charges accrue from the date the cash advance posts to your account until the date it is paid in full, so pay early, often and — whenever possible — in full.

How can I do a balance transfer on my Visa credit card?

Great Question!

  • Call us at 847.576.5199 or toll-free 877.270.6392 to have us process a cash advance for you.
  • Visit an Andigo branch. At your request, we would deposit the funds into your checking account and send a check from your checking account to the other financial institution in which you want to transfer your credit balance from.
  • OR you can provide the institution name and account and we can send a check
  • OR electronic payment on your behalf.
Just FYI Balance transfers are treated as cash advances, which means they're fee-free, but interest is charged from the first day the transaction posts to your account.

How do I apply for a line of credit increase on my Visa card?

You can apply online by filling out an application (just select “credit card” for what you’re looking for and “credit limit increase” as your purpose) or by calling us at 847.576.5199 or toll-free at 877.270.6392. You'll talk with an Andigo Loan Officer who will gather and process all the info needed and then we'll let you know if your credit line has been approved via email or phone call. If you're good to go, you'll have your credit line the next business day.

How can I get a PIN number for my Visa credit card?

When you contact us at 847.576.5199 or toll-free 877.270.6392 to let us know you need a PIN, we'll randomly generate a PIN that will be mailed to your address on record with us.

Once you receive your PIN in the mail, you have the option to customize your PIN by calling 866.297.3408.

You'll need the current PIN we've mailed you in order to create a custom PIN.

How can I change the PIN on my Visa credit card?

If you know your current PIN (Personal Identification Number) for your Visa credit card, then you can call us 866.297.3408 and we'll customize it for you.

If you don't know your current PIN, call us at 847.576.5199 or toll-free 877.270.6392 and request that we mail you a new PIN.

For activating your debit card/changing PIN, call us at 866.633.5293.

We are here to help and answer all your questions!

What are ScoreCard points?

Great question. ScoreCard points are the rewards you earn for using your Andigo Visa Platinum Rewards Credit Card. You’ll accumulate a point for every dollar you spend on the card. Once you muster up a handful of points, you can redeem them for all sorts of goodies — from electronics to sports gear, gift cards, office supplies, clothing, travel packages and oh so much more. Simply swipe and earn!

How do I get information on my ScoreCard rewards points?

Just visit and login to our ScoreCard rewards site

If it's your first time and you need to create a login, you'll enter your name, your 16-digit card number, zip code and email address. You'll need a separate login for each card if you have multiple Andigo cards. Once you're in, you'll have a treasure trove of awards fun to play with.

You can:

  • View your point balance
  • Search and view both merchandise and travel awards
  • Create wish lists, lets you forget what your heart desires
  • Redeem points online for merchandise and travel awards
  • Update your profile and find out about any ScoreCard rewards offers (such as sweepstakes or double point promotions)

If I don’t have enough ScoreCard Reward points for the award I want, can I purchase the extra points I need?

Unfortunately it's a points-only rewards system, so you need the right number of ScoreCard Reward points in your account to redeem the award you want. Points aren't available for purchase.

How can I pay my Visa credit card bill?

Follow these steps:
  1. Pay online: Click "My Accounts" link under the "Transfers" heading on the left menu bar. Then set up a transfer from your Savings or Checking account to your Visa account to make the payment. Payments are posted the same day as long as you schedule it by 5:00 pm CST.
  2. Pay by mail: Send a check payable to Andigo-Visa at PO Box 4521, Carol Stream, IL 60197-4521, including your account number on the check. It takes about five days for mail delivery, so don't wait until the week it's due if you can avoid it.
  3. Pay by phone: Call us at 847.576.5199 or toll-free at 877.270.6392 and select option 3 and then option 1.
  4. Pay in person: Find and visit any of our branch locations near you.
  5. Pay from another institution: You can do this one time, or recurring by clicking "Credit Card History" on the left menu bar.
    - Make sure your pesky pop-up blocker is disabled and then click "Submit." Your Visa information will appear in a separate window.
    - Then click "Payment" to make payment from another institution.

How do I obtain a copy of my Visa statement?

We are glad you asked.
  1. Log into your account via online banking and click on the Visa link
  2. In the Current Account Summary box, click View Transactions
  3. From the Previous Statement Activity link, click on the drop down button and pick the month you want to review.
  4. You can print the statement by clicking on the print button.
Or... skip all that internet stuff and request a copy of your Visa statements by calling us toll-free at 877.270.6392. (Note: there's a $5.00 charge per statement if you go this route.) 

Do your cards come with rental car insurance?

Yes! When certain terms and conditions are met, the Visa Auto Rental Collision Damage Waiver benefit provides—at no additional charge—reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles.

Do your cards come with travel insurance?

Yes, our cards provide travel accident insurance. Use our card to purchase tickets on any common carrier – air, land, or sea – and you’re covered in the event of an accident or loss. Learn more about travel accident insurance.