Credit Union Credit Cards
Whether you’re looking for traditional benefits or premium rewards, we’ve got a card for you.
- ZERO annual fee
- Accepted for payment at millions of locations around the world
- Tap to Pay where you see the Contactless Symbol at many of your favorite stores
- Includes Visa’s Zero Liability fraud policy, plus chip-enabled for added security
Our Visa® Credit Card is a great way for members to make purchases conveniently, earn valuable rewards and build credit to help with long-term financial goals. We offer four different Visa options – Platinum, Rewards, Share-Secured Platinum and Share-Secured Rewards – so members can find a credit card to fit their unique goals, purchasing needs and credit situation.
Platinum Visa®
The power to make your next purchase or manage your existing balances from higher rate credit cards can be yours with our Platinum Visa® card. You’ll have everything you need in your back pocket – with the simple pleasures of platinum.
The Visa Platinum card comes with all the luxuries you are accustomed to, plus:
- As low as 0% Introductory APR1 on Purchases made within the first 6 months with a 13.15% -18.00% variable APR after that
- As low as 0% Introductory APR1 for 12 months on Balance Transfers made within the first 90 days, with a 13.15% - 18.00% variable APR after that
- Our lowest-APR option
- ZERO late fees, ZERO foreign transaction fees, ZERO annual fees, and ZERO over-limit fees
Rewards Visa®
With our Exclusive Rewards® program, you can earn up to 5X Points on Streaming Services2, 3X Points on Gas, Groceries2 & Restaurants and 1X Points on Everything Else2, plus generous benefits, including:
- As low as 0% Introductory APR1 for 12 months on Balance Transfers made within the first 90 days, with a 14.15% - 18.00% variable APR after that
- Competitive interest rates
- Earn up to 20,000 Introductory Bonus Points3 when you spend $1,500 within the first 90 days
- ZERO late fees, ZERO foreign transaction fees, ZERO annual fees, ZERO over limit fees and ZERO redemption charges on rewards
- Browse and redeem your Rewards points online for retail merchandise, gift cards, sporting event and concert tickets, travel, cash back and other exciting options through Exclusive Rewards®
Share-Secured Platinum Visa®
The ideal credit card for our members with very little credit history or those who may have a less than favorable credit background. Linked directly to your Credit Card Secured Savings Account, this account provides the cash backing to secure your credit limit.
- Credit limits from $500 - $5,000
- Automatic approval with verified funds in a Credit Card Secured Savings Account – no credit report required
- As low as 0% Introductory APR1 on Purchases made within the first 6 months with an 18.00% variable APR after that
- As low as 0% Introductory APR1 for 12 months on Balance Transfers made within the first 90 days, with an 18.00% variable APR after that
- ZERO late fees, ZERO foreign transaction fees, ZERO annual fees, and ZERO over-limit fees
To apply, please call (800) 334-8788, and press option 4 or visit your local branch.
Share-Secured Rewards Visa®
The ideal credit card for our members with very little credit history or those who may have a less than favorable credit background. Linked directly to your Credit Card Secured Savings Account, this account provides the cash backing to secure your credit limit. With our Exclusive Rewards® program, you can earn up to 5X Points on Streaming Services2, 3X Points on Gas, Groceries2 & Restaurants and 1X Points on Everything Else2, plus generous benefits, including:
- Credit limits from $500 - $5,000
- Automatic approval with verified funds in a Credit Card Secured Savings Account – no credit report required
- As low as 0% Introductory APR1 for 12 months on Balance Transfers made within the first 90 days, with an 18.00% variable APR after that.
- ZERO late fees, ZERO foreign transaction fees, ZERO annual fees, ZERO over limit fees and ZERO redemption charges on rewards
- Browse and redeem your Rewards points online for retail merchandise, gift cards, sporting event and concert tickets, travel, cash back and other exciting options through Exclusive Rewards®
To apply, please call (800) 334-8788, and press option 4 or visit your local branch.
Frequently Asked Questions
Credit union credit cards offer many perks that can save you money and make managing your finances easier. Here are the main benefits of a credit union credit card:
- Lower interest rates: This means you’ll pay less when you carry a balance on your card.
- Fewer fees: Most credit union credit cards skip the annual fees and tend to have lower late payment and balance transfer fees.
- Better customer service: Since credit unions focus on their members instead of profits, members can enjoy more personal, friendly service and a community-centered approach to banking.
- More flexible approval: Credit unions often work with members who have less-than-perfect credit. They may offer financial counseling to help you manage your card responsibly.
- Member-focused benefits: As a member-owned organization, credit unions put their profits back into benefits for cardholders, like lower rates and better terms.
For many people, credit union credit cards are a better choice than other types of credit cards. The best credit union credit cards have lower fees and interest rates than most alternatives.
Credit unions place special attention on helping members, working with you to find the right card for your needs, and helping you create a budget to use your card responsibly.
You can use a credit card rate change calculator to see how much you might save with a credit union card.
Your credit score matters, but credit unions are often more forgiving than other financial institutions. Most credit union credit cards require a good credit score of at least 640, though some may work with lower scores. If you’re trying to build good credit, many credit unions offer special secured credit cards to help you start. They’ll look at your whole financial picture, not just your credit score.
When you get a credit union credit card, your credit limit usually starts between $500 and $5,000. This means if you get a $2,000 limit, you can spend up to that amount on your card. The exact amount you’ll get depends on a few factors:
- Your income: Credit unions will assess your income to determine if you have enough funds to pay your bills. If you earn more, you might receive a higher limit.
- Your credit history: You’ll likely get a higher limit if you’ve demonstrated a consistent payment history with other credit cards or loans.
- Your other debts: If you already have several credit cards or loans, you might receive a lower credit limit at first.
The good news is that credit unions often increase your limit over time if you:
- Pay your bill on time every month
- Use your card regularly
- Keep your balance low
- Stay within your current limit
- Have a steady income
Some credit unions review your account automatically. Others might increase your limit if you ask and have shown a good payment history. Remember, a higher limit can be helpful for big purchases or emergencies, but it’s important to only spend what you can afford to pay back.
Getting a credit union credit card is simple. First, you need to become a member of the credit union.
Then, you’ll need to:
- Show proof of employment or income
- Provide your ID
- Consent to a credit pull
Additionally, many credit unions allow you to easily apply online. Click here to apply for our Platinum Visa® or Rewards Visa®. To apply for our Share-Secured Platinum Visa® or Share-Secured Rewards Visa®, please call (800) 334-8788 and press option 4 or visit your local branch.
Credit unions often charge lower interest rates than most banks. While banks might charge exorbitant interest rates, credit union credit cards, like those available through California Credit Union, usually cap their rates around 18%.
Your interest rate will be based on how well you’ve managed credit in the past, but credit union cards almost always charge less than big banks. If you’re wondering how to save money, switching to a credit union credit card can put hundreds of dollars back in your pocket each year if you typically carry a balance.
California Credit Union also offers helpful tools like a credit card consolidation calculator to help you make responsible choices when managing debt.
We’re here to take your financial confidence to the next level.
Dive into our Learn Center to explore various financial topics or to learn a little more about our practices.
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Credit Basics
All About Credit Scores
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Credit Basics
How To Build Good Credit
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Calculators
Credit Card Debt Consolidation Calculator
Terms and Conditions
Platinum
1 APR = Annual Percentage Rate. 0% Introductory Balance Transfer APR is a limited-time offer and is good for balance transfers initiated within the first 90 days of account opening. 0% Introductory Balance Transfer APR is valid from the first qualifying transaction post date for 12 months. After 12 months, any remaining balance from this promotion will return to the variable balance transfer APR disclosed on your Credit Card Account Opening Disclosure. This APR is not valid on cash advances. 0% Introductory Purchase APR is a limited-time offer and is good for purchases posted to your account during the first 6 months following the opening of your account. This APR is not valid on cash advances. After 6 months, any remaining balance from this promotion will return to the variable purchase APR disclosed on your Credit Card Account Opening Disclosure. As of June 19, 2025, the Platinum credit card rates range from 13.15% – 18.00% APR. Rates are variable, and subject to increase after account opening. The Platinum credit card has a cash advance fee of 3% of the amount of the advance, but not less than $10.00. The balance transfer fee is 2% of the amount of the transfer, but not less than $5.00. A returned payment fee is $15.00. All loans are subject to approval.
Rewards
1 APR = Annual Percentage Rate. 0% Introductory Balance Transfer APR is a limited time offer and is good for balance transfers initiated within the first 90 days of account opening. 0% Introductory Balance Transfer APR is valid from the first qualifying transaction post date for 12 months. After 12 months any remaining balance from this promotion will return to the variable balance transfer APR disclosed on your Credit Card Account Opening Disclosure. This APR is not valid on cash advances.
2 Earn 5X points on up to $6,000 worth of qualifying streaming services, 3X points on up to $6,000 worth of qualifying Gas, Groceries and Restaurant transactions, and 1X points on everything else. We do not control how merchants are categorized. We do not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify for the bonus rewards offers. Rewards may mean cash back or points. Cash advances and balance transfers are not eligible for rewards.
3 To earn 20,000 Introductory Bonus Points, you must spend $1,500 within the first 90 days of account opening. Allow up to two billing cycles for bonus rewards to post to your account. All purchases are subject to credit approval. As of June 19, 2025, the Rewards credit card rates range from 14.15%-18.00% APR. Rates are variable, and subject to increase after account opening. The Rewards credit card has a cash advance fee of 3% of the amount of the advance, but not less than $10.00. The balance transfer fee is 2% of the amount of the transfer, but not less than $5.00. All loans are subject to approval.
View our Credit Card Disclosure.
