Credit Cards

Everything you want in a credit card: No fees and great rates.

With Cobalt Credit Union Visa credit cards, you’ll enjoy low APRs, 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 credit 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 Rates as low as
9.50% APR* 10.50% APR*
Balance Transfer Fee Balance Transfer Fee
None None
Annual Fee Annual Fee
None None
Cash Advance Limits Cash Advance Limits
No separate limits for cash advances - take cash up to your regular purchase limit No separate limits for cash advances - take cash up to your regular purchase limit
Online Account Access Online Account Access
Free access to My Card Info Free access to My Card Info
Security Security
Enhanced security with EMV Chips Enhanced security with EMV Chips
Rewards 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 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 Six Months

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

  • 1.99% for six months on balance transfers and purchases
  • Promotional APR is fixed for six billing cycles from the date the account was opened
  • After six billing cycles rate will revert back to your standard rate
  • 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 is 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.

Card Valet

Protect your debit and credit cards through your mobile device by receiving alerts and defining when, where and how your payment cards are used - with CardValet® from Fiserv. 

Get CardValet for your Android device

Get CardValet for your Apple device

Apple Pay

Apple Pay offers the convenience of using 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.

Care to join us?

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

Apply Now

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