Ent Essential™ Visa® Platinum credit card
Make your someday goals a reality today
Your goals are waiting for you to make them happen. Start building for the future while you enjoy cash back rewards now.
Apply now
Offers you’ll love:
Get helpful extras with your new Ent Visa6
Compare and choose with confidence
See more cardsEnt Essential Visa Platinum FAQs
You can apply online, by calling 800-525-9623 or by visiting your nearest service center.
Yes. But any authorized users you add don’t need to be Ent members.
Your current card will be replaced with one of the new Ent Visa cards in late April 2025. You won’t lose any of the rewards you’ve earned. If you have an introductory rate offer, the terms and standard interest rate will remain the same. Learn more about the transition here.
Payments may now be made online, in an Ent service center, by calling Ent at (800) 525-9623 or mailing a check to: Ent Credit Union, PO Box 660493, Dallas, TX 75266-0493. If you usually pay by check, please be sure to change to the new address.
By bringing credit cards in-house, we can now offer you a card with great benefits supported by your local Ent team. Now, if you have a question or need to make a payment, you can just call us directly or stop by any Ent service center. The new cards also offer no annual fee and valuable benefits.
Yes, authorized users can be added at no charge. Once your card is approved, you can add authorized users by calling 800-525-9623 or by visiting your nearest service center. You’ll need to have the user’s birthdate, the last 4 digits of their Social Security number or TIN, and their 5-digit zip code.
Debit cards pay for your purchases using money that’s already in your checking account, while credit cards allow you to make purchases on credit. Credit cards can boost your credit score when managed responsibly, while debit cards don’t impact your credit history. Ent also offers credit cards that earn cash back or points on purchases.
Balance transfers let you consolidate existing debt from other credit cards, usually at a lower interest rate, allowing you to pay your debt off faster. You will be charged a one-time fee when you make the initial transfer. If you choose to do a balance transfer at 0% APR, be aware that any remaining balance at the end of the advertised period will accrue interest at your Ent card’s standard interest rate for purchases. Plan to budget wisely and pay off your balance before the advertised 0% interest period ends.
You can manage your card with the Ent credit card mobile app or the card management portal. Note: the old portal does not work with your new card.
Yes. Reregister via the Ent credit card mobile app or the card management portal by creating a new username the first time you sign in.
After you reregister in the mobile app or at the card management portal, you can add all your cards one at a time. After signing in, select Services (top right), choose Add Card, and follow the prompts. Repeat for each card you add.
When paying through the mobile app or the card management portal, you can link only one non-Ent account at a time. You can change which account you use whenever you’d like.
Yes. If you use your other bank’s or credit union’s bill pay, send payments to: Ent Credit Union, PO Box 660493, Dallas, TX 75266-0493.
Standard account and credit qualifications apply. All loans subject to final credit approval. Rates and terms are subject to change without notice and are dependent upon creditworthiness and market Prime Rate. Visit Ent.com/Legal to review Ent’s Credit Card Agreement and Disclosures.
1 You will earn bonus Points redeemable for the equivalent of $150 cash back on $1,000 spend on Net Eligible Purchases within the first 90 days of Card opening (and do not subsequently fall below $1,000 in Net Eligible Purchases as a result of returns or other reversals). To be eligible for the bonus cash back, you must be eligible to earn and redeem Points throughout the first 90 days after Card opening. If you choose to redeem Points for rewards other than cash back, your reward value may not equal the amounts indicated above, but conversation rates from Points to reward value will be indicated at the time of redemption. Eligible Purchases do not include balance transfers, cash advance, travelers checks, foreign currency, money orders, wire transfers, or similar cash transactions. Eligible Purchases also do not include interest or other finance charges, or fees charged to your Account. See Rewards Agreement "Program Terms" for ineligible account flags.
3 Ent Essential Visa® Pricing and Terms
4 Ent Platinum and Platinum Rewards Guide to Visa® Benefits
5 0% introductory Annual Percentage Rate (APR) on all balance transfers for a period of 9 months from the account opening date. After the Introductory Period your APR will vary based on your creditworthiness as well as the Prime Rate which is subject to change. Refer to Account Disclosures for details.
6 To learn more about Visa benefits, coverage, and how to file claims please reference Ent Platinum and Platinum Rewards Guide to Visa® Benefits
* Visa's Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify Ent immediately of any unauthorized use. To learn more, please visit https://usa.visa.com/support/consumer/security.html