Credit cards to suit any financial situation or need
Select the card that works for your unique needs.
Enjoy great benefits and features with our credit card options
Best for
Maximizing rewards, premium benefits, robust features, and paying off monthly balances |
rate as low as
11.49% |
Highlights & Benefits
1.5x |
Reward points per $1 |
$0 |
Annual fee |
No balance transfer or foreign transaction fees |
|
Travel protection |
Best for
Earning rewards on purchases and saving with a low rate on monthly balances |
rate as low as
8.99% |
Highlights & Benefits
1x |
Reward points per $1 |
$0 |
Annual fee |
No balance transfer or foreign transaction fees |
Best for
Building credit if you have no history or a low credit score |
rate as low as
8.99% |
Highlights & Benefits
1x |
Reward points per $1 |
$0 |
Annual fee |
No balance transfer or foreign transaction fees |
Features
Digital Wallet
Click to Pay
Tap to Pay
Security
Zero Liability
Rewards
Benefits that work for you
Features | Visa Signature | Visa Platinum | Visa Credit Builder |
---|---|---|---|
Rewards |
1.5 points per dollar spent |
1 point per dollar spent |
1 point per dollar spent |
Cell phone protection |
Reimbursement up to $500 |
Reimbursement up to $250 |
Reimbursement up to $250 |
Auto rental collision damage waiver |
True |
True |
True |
Travel and emergency assistance |
True |
True |
True |
Roadside dispatch |
True |
True |
True |
Norton LifeLock |
True |
True |
True |
Shipt same-day delivery |
True |
True |
True |
Sofar Sounds intimate concert experiences |
True |
True |
True |
True |
|||
Extended warranty protection |
True |
||
Trip cancelation/interruption |
True |
||
Lost luggage reimbursement |
True |
||
Travel accident and baggage delay insurance |
True |
||
Wine Country perks and benefits |
True |
||
Access to Luxury Hotel Collection |
True |
Transfer balances free
Transfer your credit card balances
Save money on interest and pay off your debt faster with no balance transfer fee when transferring high-interest credit card balances.
-
*Rates effective April 18, 2024. All rates, terms and special offers subject to change. Certain restrictions apply. For cash advances at a non-RCU location, the greater of 2% of the advance or $20 will be charged.
Credit card online application
Already have an RCU account?
(We’ll pre-fill your application)
New to RCU?
Become a Member and apply for your credit card. (Eligibility requirements below)
Eligibility
You can apply for a credit card through RCU if you meet any of the following criteria:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
Balance transfer online application
Already have an RCU account?
(We’ll pre-fill your application)
New to RCU?
Become a Member and apply for your credit card to begin the balance transfer process. (Eligibility requirements below)
Eligibility
You can apply for a credit card through RCU if you meet any of the following criteria:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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