Credit Cards

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

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!


Signature Rewards Visa® Credit Card

  • 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: 10.75% - 17.99% 
  • Cash Advance Rates: 13.75% - 17.99%

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**Points expire after 36 months.

Classic VISA® Credit Card

  • Cobalt Classic Visa® Rates: 9.75% - 17.99% 
  • Cash Advance Rates: 12.75% - 17.99% 
  • No transfer fees make this a great balance transfer credit card

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Apply for a new Cobalt Credit Union Visa 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 $20,000
  • EMV chip enhanced security

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Pay from your phone
Keep payments secure
Norton LifeLock logo
Norton LifeLock is a new benefit to our Visa® members. 
  • Dark Web Monitoring - receive notifications when certain information is identified on the dark web

  • One Bureau Credit Monitoring - alerts for hard credit inquiries and changes to a credit file

  • Case Remediation Support - dedicated, specialized support agents help navigate an identity theft situation

  • 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

  • Digital Dashboard - view alerts, account management, case remediation and management

  • Discounts on select Norton LifeLock upgrades and alternatives

  • Support via web/mobile/phone channels

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*Effective February 1, 2021

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