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Personal Credit Cards

VISA® Personal Credit Cards from the Valley State Bank.

Our Visa® Platinum Preferred, and Visa® Classic credit cards are designed to help you manage your account sensibly. Each card is simple, reliable, safe and easy to use with no complicated fees or rules. Use your card when making a purchase wherever Visa® is accepted. Your new card offers:

  • A low variable rate
  • No annual fee
  • Free online account information
  • Worldwide acceptance
  • Cash advance at thousands of ATMs
  • Auto rental insurance
  • Automatic payment option
  • Travel accident insurance coverage
  • Prompt, expert service you've come to expect from your community bank 
Frequently Asked Questions about the Visa® Credit Card Application

Why is the online application printable rather than able to be completed on the computer?

Currently we do not offer a true-online application due to concerns with receiving fraudulent applications. A printable application will allow convenience and compliance with fewer fraudulent requests.


Can we email the link to our customers individually or in a direct email solicitation?

No, do not email the link directly to your customers. With the additional identification characters after the domain name, it is too likely they will not receive the correct information. However, feel free to email your customers regarding the location of your printable application.


Can we download the application and keep a copy on our desktop?

No, do not save a copy of the downloaded application on your desktop. The Important Disclosures section of the application may change as regulations require or as the rate is adjusted based on our index, the U.S. Prime Rate. You will receive the most current compliant application ONLY by using the link. You can save the link to your desktop using the Web-Link Bookmark instructions provided.


Will our applications still be bank branded?

Yes, your printable application has your bank logo on the first page and on the application input page. Your bank identification number will be on the application input page. Reporting, tracking, and compensation for applications will be available.


Our printable application shows an old bank logo, how do we fix it?

If your bank logo is incorrect on your printable application, just email the correct logo to We will get it updated for you.


What if we can’t download the application using the link?

Adobe Reader is required to open the PDF file. If you can’t open the file, or your computer does not recognize the file, go to to download the latest version of Adobe Reader. Adobe Reader is free.


If we don’t allow employees to access the Internet, how do we use the link?

At least one person in the bank will need to access the link to obtain the printable application. It can be placed in a common place on the network for employee access. Bank Card will send notice of any updates to the application to your Primary Bank Card Contact so you can keep the file current manually.

This link below will trigger a secondary window, which will ask if you want to save or open the application. If you choose to “Open” the application, you will be prompted to choose an application to open the file in. Adobe Acrobat is recommended for opening the new application file.


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