Coastal is posting Advance Child Tax Credit Payments as soon as the funds are received. For more information, learn more

Rate Advantage Visa® Credit Card

Your ideal choice when you need a lower interest rate to consolidate debt

Find the flexibility and convenience you need

Here’s how a Rate Advantage Credit Card can help you bank better:

  • Get a 0% intro APR on purchases & balance transfers for 6 Billing Cycles1 After that, the standard variable APR will be 7.25% to 18.00%2 on purchases and balance transfers

Benefits of a Rate Advantage Credit Card


Manage Your Credit Card

  • Manage your account anytime through Online Banking and Mobile Banking
  • Sign up for free fraud text alerts3 in Online Banking
  • Your credit card is automatically enrolled in Visa® Account Updater (VAU).  VAU is a program that automatically sends participating merchants your card data every time it changes, including recurring payments and card-on-file relationships
  • Secure transactions via Digital Payments
  • Check out fast and securely with your contactless card wherever you see the Contactless Symbol4. Your transactions are always secure, with 24/7 fraud alerts on top of it
  • Manage your card preferences all on your own terms - turn your card on/off, set alerts, or set spending limits with Coastal CardNav
Go Green Checking
Go Green Checking
Enjoy the highest checking rate* in North Carolina and so much more.
* Source: Informa Research Services

I can take care of all of my banking needs on MY schedule, not a retail bank's inconvenient schedule.
Dwight R.

Frequently Asked Questions

You can activate your debit/ATM card by calling the number on the activation sticker and following the prompts until you receive confirmation your card was successfully activated. You may also activate your card by making a transaction at a Coastal ATM.

If you have forgotten your PIN, please contact our Contact Center at 919-420-8000 to speak to a representative, available 24 hours a day, 7 days a week. You may also log into Online Banking and send us a request by secure message. Once we receive your request, we will send the PIN to you in the mail to the address on file.  You will receive your PIN mailer within 5-7 days.

You can activate your credit card in two ways: by calling the number affixed to your card (888-691-8661) or by logging into Online Banking and click on your Credit Card Loan Details.  Then choose MyCardInfo.

If you would like to set a PIN for your card, simply call 888-891-2435 and follow the prompts.  If you have forgotten your PIN, contact us at 919-420-8000 or 800-868-4262.

Established limits are daily:

Classic - PIN $1000 Purchase/Credit $2000

Go Green - PIN $1000 Purchase/Credit $5000

HSA - PIN $1000 Purchase/Credit $3000

*Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for more information. 

1. APR - Annual Percentage Rate. Your rate is determined by your creditworthiness. Normal credit approval applies. A special introductory offer on purchases and balance transfers rate of 0.00% APR applies for 6 months from the account open date. At the end of 6 billing cycles, the transferred balances will migrate to the standard rate qualified for. Fees tied to balance transfers do apply. You may not transfer balances from one Coastal credit card to another, nor can it be used to make a payment on a Coastal loan.

2. Guide to Benefits
Consumer Credit Card Agreement
Application and Solicitation Disclosure

3. Data and other wireless carrier charges may apply.

4. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

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