Pay no interest on purchases or balance transfers for the first 6 billing cycles.1


0.00% APR Intro Rate1
Enjoy no interest on purchases & balance transfers for the first 6 billing cycles
No Hassles
Sleep easy with no annual fees or penalty rate2
Unrivaled Control
Access to Coastal CardNav**, giving you more security and control of your cards

Bank Better With a Rate Advantage Credit Card

  • Get a 0% intro APR on purchases & balance transfers for 6 Billing Cycles1. After that, the standard variable APR will be 12.50% to 18.00%2 on purchases and balance transfers

  • No annual fee or penalty rate2

The Control You Need

Resource Center

4 Benefits Of Credit Cards

Credit cards are an extremely valuable financial tool that may build or improve your credit when used responsibly. That means, spending within your means and paying your credit card bill on time to avoid paying interest and being in credit card debt.

Credit Card Fraud Text Alerts

Fraud text alerts are designed to help protect you by more quickly identifying fraudulent transactions, and reduces the inconvenience of having your card blocked for legitimate transaction that we couldn’t confirm.

Coastal's interest rates are low for credit cards and their website is easy to use!
A Coastal Member

Frequently Asked Questions

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.
You may access your credit card history, transactions, payments, and details within Online Banking.
Log into Online Banking and click on your Credit Card Loan Details > MyCardInfo > e-Statements to enroll. e-Statements are free and convenient. You can resume paper statements at any time.
The Annual Percentage Rate (APR) can be found on your monthly statement.

All loans are subject to approval.

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

3. Valid mobile phone number required.

**Data and other wireless carrier charges may apply.

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