
Choose the credit card that fits your lifestyle. Get rewarded with Cobalt's Signature Rewards Visa® or keep it simple with Cobalt's Classic Visa®. Both cards offer our members low annual percentage rate (APR), enhanced security features, and no annual fees or balance transfer fees - no kidding!
Learn about these account benefits:
Signature Rewards Visa® | Classic Visa® | Additional Benefits | Resources
Signature Rewards Visa® Credit Card 
Cobalt's Visa® credit card with rewards...
- Earn 1 point** per dollar spent - with no limit to the rewards you can earn
- Spend $2,000 in the first 90 days to automatically receive $100 in statement credit
- Redeem points for cash back, statement credits, event tickets, travel, and gift cards
- Cobalt Signature Rewards Visa® Rates: 11.00% - 17.99%
- Cash Advance Rates: 14.00% - 17.99%
**Points expire after 36 months.
Classic VISA® Credit Card 
Cobalt's standard Visa® credit card...
- Cobalt Classic Visa® Rates: 10.00% - 17.99%
- Cash Advance Rates: 13.00% - 17.99%
- No transfer fees make this a great balance transfer credit card

Apply for a new Cobalt Credit Union Visa® credit card today and enjoy the super low introductory rate of 1.99% APR* for six months on balance transfers and purchases with no balance transfer fees.
*Annual Percentage Rate. Rates may vary based on credit score. Promotional APR is fixed for six billing cycles from the date the account was opened
All Cobalt VISA® Credit Cards include:
- No balance transfer fees
- No annual fee
- No separate limits for cash advances - take up to your regular purchase limit
- Free online account access
- Choose your limit up to $30,000
- EMV chip enhanced security
Additional Features
Pay from your phone
Keep payments secure
Norton LifeLock is a new benefit to our Visa® members.
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Dark Web Monitoring - receive notifications when certain information is identified on the dark web
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One Bureau Credit Monitoring - alerts for hard credit inquiries and changes to a credit file
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Case Remediation Support - dedicated, specialized support agents help navigate an identity theft situation
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Lost Wallet Assistance - a checklist of tasks to complete when you lose a wallet with assistance from a support agent to discuss and review the available resources
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Digital Dashboard - view alerts, account management, case remediation and management
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Discounts on select Norton LifeLock upgrades and alternatives
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Support via web/mobile/phone channels
*Effective February 1, 2021
Credit Card Resources

Credit Scoring
Credit scoring isn’t as mysterious as it seems. We can explain the rhyme and reason behind the process, including why having a good score matters and how you can increase your numbers.