Credit Cards That Put You in Control

Spend smarter with low rates, cash-back rewards, and zero hidden fees—plus the local support you expect from your credit union.

Apply Now

Perks Without the Pitfalls

Take charge of your spending with Mastercard® options built to boost your credit, savings, or rewards.

No annual fee
Free balance transfers
Zero liability for fraudulent transactions
Fast, same-day replacement available at any branch

Check Current Rates

Three Cards. Zero Compromise.

Different goals call for different tools. Here’s how our credit cards stack up.

Platinum Credit Card

Keep It Simple

Rates as low as 12.25% APR
No annual fee
Free balance transfers
Zero liability for fraudulent transactions
Perfect for everyday spending and unexpected expenses

APPLY FOR PLATINUM

Platinum Rewards Credit Card

Spend. Earn. Repeat.

1% cash back on all purchases
Rates as low as 14.50% APR
No annual fee
Free balance transfers
Zero liability for fraudulent transactions
Perfect for racking up rewards with every swipe

Apply For Rewards

Share Secured Platinum Mastercard

Credit Comeback Champion

Secured by your savings
No annual fee
Free balance transfers
Zero liability for fraudulent transactions
Perfect for building or reestablishing your credit history

APPLY FOR SHARE SECURED

Cardholder Benefits That Go Beyond the Basics

Every CCCU card unlocks powerful Mastercard® advantages that extend beyond basic banking:

Travel Protection: Emergency assistance and rental car coverage
Purchase Assurance: Coverage for eligible items against damage or theft
Exclusive Discounts: Special offers on entertainment, dining, and travel experiences
Identity Protection: Tools to monitor, alert, and respond to suspicious activity
Mobile Wallet Compatibility: Use your card with Apple Pay, Google Pay & Samsung Pay

EXPLORE MASTERCARD BENEFITS

Fee-Free Balance Transfers

Pay off credit card debt faster by moving balances to CCCU—without fees or fine print:

$0 balance transfer fees (most banks charge 3–5%)
APRs as low as 12.25%
No annual fees or hidden charges

Already have a CCCU card? Complete our quick Balance Transfer Form to start saving today.

TRANSFER YOUR BALANCE

CALCULATE YOUR SAVINGS

Protection When Life Doesn’t Go as Planned

Optional Debt Protection helps cover your credit card balance or payments during tough times, like job loss, disability, or death.

LEARN ABOUT DEBT PROTECTION

Apply in Minutes. Shop With Confidence.

Pick your card, apply online, or talk to a CCCU team member for one-on-one guidance. You’ve got options—and a credit union that’s got your back.

APPLY NOW

TALK TO AN EXPERT

Lost or Stolen Credit Card

Should your credit card get lost or stolen or you suspect fraud, call (866) 820-5862. Outside the U.S, call 1 (727) 571-2200.

APR (annual percentage rate) is subject to change and may increase or decrease based on certain creditworthiness not to exceed state law. The Credit Card Rewards Program is subject to change. Yearly cash back payout for Platinum Rewards Credit Cards is for net purchases and is in the form of a credit applied to your Share Account. Cash back rewards will not accumulate on any fees, balance transfers, cash advances or interest charges. See Credit Card Agreement and Disclosure (PDF) for complete details. Cash advance fee is 2% or a $10 minimum. Foreign Transaction fee is 1% of each transaction in U.S. dollars. Late payment is $25 and returned payment is $35.

Application and Solicitation