Credit Cards

Credit Cards

Pick the C1st Credit Card that is right for you.

Get the Card YOU Choose!

We have a perfect credit card for your lifestyle! All C1st Credit Union credit cards offer great rates, no annual fees, and are ready to be added to your Apple Pay, Google Play, or Samsung Pay digital wallet. Pick the card that’s right for you!

Contactless

Tapping to pay is quick, easy, and secure! 

With a quick tap of your phone, you can use your C1st credit card to pay at over one million U.S. merchant locations that accept mobile payments. Digital Wallet options also make it convenient to check out quickly within your favorite apps and websites. Best of all, payment information is never shared with merchants or stored on your device. Learn More!

Credit Card Disclosures | Signature Disclosures

*Credit Savvy Secured Card Interest Rates and Fees. The following Annual Percentage Rates (APRs) will depend on your credit history and will vary with the market based on the Prime Rate.
Purchases: 13.99% APR - 21.99% APR. Balance Transfers and Cash Advances: 13.99% APR - 21.99% APR. Transaction Fees – Cash Advance: 3% of the amount of each cash advance or $5 minimum, whichever is greater.

**Smart Rate Card Interest Rates and Fees. The following APRs will depend on your credit history and will vary with the market based on the Prime Rate. Purchases: 1.99% introductory APR for 12 months from date of account opening. After that it becomes variable, currently 11.99% APR - 20.99% APR. Balance Transfers: 1.99% introductory APR for 12 months made in the first 60 days of account opening. After that, 11.99% APR - 20.99% APR. Cash Advances: 11.99% APR - 20.99% APR. Transaction Fees – Cash Advance: 3% of the amount of each cash advance or $5 minimum, whichever is greater.

***Flex Card Rates and Fees. The following Annual Percentage Rates (APRs) will depend on your credit history and will vary with the market based on the Prime Rate. Purchases: 1.99% introductory APR for 12 months from date of account opening. After that it becomes variable, currently 14.99% APR - 24.99% APR. Balance Transfers: 1.99% introductory APR for 12 months made in the first 60 days of account opening. After that, 14.99% APR - 24.99% APR. Cash Advances: 14.99% APR - 24.99% APR. Transaction Fees – Cash Advance: 3% of the amount of each cash advance or $5 minimum, whichever is greater.

****Signature Rewards Card Rates and Fees. The following APRs will depend on your credit history and will vary with the market based on the Prime Rate. Purchases: 1.99% introductory APR for 12 months from date of account opening. After that it becomes variable, currently 12.99% APR - 20.99% APR. Balance Transfers: 1.99% introductory APR for 12 months made in the first 60 days of account opening. After that, 12.99% APR - 20.99% APR. Cash Advances: 12.99% APR - 20.99% APR. Transaction Fees– Cash Advance: 3% of the amount of each cash advance or $5 minimum, whichever is greater.

Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google, LLC. Samsung Pay is a trademark of Samsung Electronics Co., Ltd.