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. Plus, all of our cards offer AppleTM Pay, Google PayTM and Samsung Pay. Choose between the Cobalt Credit Union Classic Visa and the Cobalt Credit Union Signature Rewards Visa. Compare cards below 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 10.00% APR* 11.00% APR*
Balance Transfer Fee None None
Annual Fee None None
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 Free access to My Card Info Free access to My Card Info
Security 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 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.

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.

Samsung Pay

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

Apply Now

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