Credit Cards

Everything you look for in a credit card: no fees and the best rates.

With Cobalt Credit Union Visa cards, you'll enjoy low APIs, enhanced security features, statement credit options, and no annual fees or balance transfer fees. Choose between the Cobalt Credit Union Classic Visa and the Cobalt Credit Union Signature Rewards Visa. Compare cards or APPLY NOW!

To log in to your Cobalt Credit Union card account, click here.

Which account is right for you?

  Cobalt Credit Union Classic Visa® Cobalt Credit Union Signature Rewards Visa®
Rates as low as 9.25% APR* 10.25% APR*
Balance Transfer Fee None None
Annual Fee None None
Cash Advance Limits No separate cash limits for cash advances. Take cash up to your regular purchase limit. No separate cash limits for cash advances. Take cash up to your regular purchase limit.    
Online Account Access Free access to My Card Info.
Free access to My Card Info.  


Enhanced security with EMV Chips.
Enhanced security with EMV Chips.  
Rewards ×

Earn 1 point for every dollar spent - with no limit to the rewards you can earn**

Redeem points for event tickets, travel, statement credits, gift cards and merchandise.

Added Benefits

Travel Emergency Assistance available
Roadside assistance available
Rental Insurance available 

Visa® Extended Warranty Protection available
Visa® Rental Car Insurance available

New introductory Rate of 1.99% APR* for 6 Months

Apply for a new Cobalt Credit Union Visa today and enjoy super low introductory rate of 1.99% APR* for six months:

  • 1.99% APR* for six months on balance transfers and purchases
  • Promotional APR* is fixed for six billing cycles from the date the account was opened
  • No balance transfer fees



*Annual Percentage Rate. Rates may vary based on credit score.
**Points expire after 36 months.

Transaction Alerts

You choose which types of account alerts you want to receive and how you want to receive them. Whether by text message or email, transaction alerts help protect you from fraud by putting you in control of your account information. With transaction alerts, you can know when:

  • Large purchases occur (you set the amount)
  • A purchase has been made without your card being present
  • Purchases are made from outside the country

Learn more about protecting your account with Transaction Alerts today!

Visa Checkout

Take the Visa card you already use, add a password to confirm your identity, and you've got Visa Checkout- the new online protection service exclusively for Visa cardholders.

Apple Pay

Apple Pay offers the convenience of your phone to pay at merchants or online without having to carry a card with you. It offers a high rate of security for our members and improves personal banking because you have the ease of looking at recent transactions where you used Apple Pay.

Samsung Pay

Samsung Pay allows you to carry your favorite cards on your devices so you can pay in-person, app or online. Plus, earn cash back and get extra rewards for purchases you make every day.

Google Pay

Google Pay is the fast, simple way to pay in millions of places; online, in stores, and more. It brings together everything you need at checkout and protects your payment info with multiple layers of security. Plus, you can manage your account where you want - on the web or in the app.

Care to Join Us?

If you're ready to switch to Cobalt Credit Union, we're ready to help. Apply now to get started.


Have questions about Cobalt Credit Union? Drop us a line.
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