Coastal Credit Union
Coastal Credit Union

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Credit Cards

With various Visa® options, there's one to fit your finances.

Personal or business, rewards or low rates, Coastal has any type of card you want

Here's how a Coastal Credit Card can help you bank better:

  • Choose a Visa® that lets you rack up rewards points with everyday purchases
  • Opt for a card with a low introductory rate to pay off debt quicker
  • Get a business credit card with a fixed rate for purchases, balance transfers and cash advances
  • All cards feature Coastal CardNav, free1 fraud text alerts, secure payment options including a contactless card wherever you see the Contactless Symbol2

Application and Solicitation Disclosure

Go Green Checking
Enjoy the highest checking rate in North Carolina and so much more.

COMPARE OUR CREDIT CARD OPTIONS

Credit Cards Benefits

Signature Premier Rewards Visa® Credit Card
  • Earn 3x the points on gas at the pump, 2x on groceries and warehouse store purchases, 1x on other purchases3, all unlimited
  • Redeem points for cash back, statement credit, merchandise, travel and gift cards from popular brands
  • Accumulate additional points automatically just by using your card through ShopSPOT at in-store locations and more than 3,500 online merchants
  • Track all of your points through Digital Banking and Mobile Banking
  • Set up free fraud alerts via text message to identify unauthorized activity
  • Manage your credit card preferences all on your own terms with Coastal CardNav
  • This card is eligible for an annual Loyalty Bonus payout
  • You are automatically enrolled to receive credit fraud alerts via text message to identify unauthorized activity8

Rewards Visa® Credit Cards
  • Earn 1 point per $1 on everyday purchases4, all unlimited
  • Redeem points for merchandise, travel and gift cards from popular brands
  • Accumulate additional points automatically just by using your card through ShopSPOT at in-store locations and more than 3,500 online merchants
  • Track all of your points through Digital Banking and Mobile Banking
  • Set up free fraud alerts via text message to identify unauthorized activity
  • Manage your credit card preferences all on your own terms with Coastal CardNav
  • This card is eligible for an annual Loyalty Bonus payout
  • You are automatically enrolled to receive credit fraud alerts via text message to identify unauthorized activity8

Rate Advantage Visa® Credit Card
  • Keep more money in your wallet with our lowest rate credit card
  • No annual fee or penalty rate
  • Manage your account anytime through Digital Banking and Mobile Banking
  • Manage your credit card preferences all on your own terms with Coastal CardNav
  • This card is eligible for an annual Loyalty Bonus payout
  • You are automatically enrolled to receive credit fraud alerts via text message to identify unauthorized activity8

Rate Advantage Secured Visa® Credit Card
  • Helps you establish or rebuild a healthy credit score by allowing you to use your savings as collateral
  • No annual fee or penalty rate
  • Manage your account anytime through Digital Banking and Mobile Banking
  • Manage your credit card preferences all on your own terms with Coastal CardNav
  • This card is eligible for an annual Loyalty Bonus payout
  • You are automatically enrolled to receive credit fraud alerts via text message to identify unauthorized activity8

Business Visa® Credit Card
  • Separate your business expenses, such as travel, entertainment, inventory and supplies
  • No annual fee or penalty rate
  • Enroll your card in Visa's® SavingsEdge and get exclusive deals and savings for your business from participating merchants
  • Manage your credit card preferences all on your own terms with Coastal CardNav
  • You are automatically enrolled to receive credit fraud alerts via text message to identify unauthorized activity8
Credit Cards Key Benefit Intro Offer After Intro Period Annual Fee

Signature Premier Rewards Visa® Credit Card

 Earn 3x the points on gas at the pump, 2x on groceries, 1x all other purchases1 0% APR5 on Balance Transfers – first 6 billing cycles6

15.50% to 18.00% APR

 None

Rewards Visa® Credit Cards

 Earn 1 point per $1 on everyday purchases2 0% APR on Purchases and Balance Transfers – first 6 billing cycles7

15.50% to 18.00% APR

 None

Rate Advantage Visa® Credit Card

 Keep more money in your wallet with our lowest rate credit card 0% APR on Purchases and Balance Transfers – first 6 billing cycles7

11.50% to 18.00% APR

 None

Rate Advantage Secured Visa® Credit Card

 Helps you establish or rebuild your credit history N/A

18.00%  APR

 None

Business Visa® Credit Card

 Fixed rate and purchasing power for your business needs N/A

14.75% APR

 None

Resource Center

5 Simple Tips to Avoid Fees on Your Checking Account

Nobody likes to pay fees. But, the thing is, if you don't watch what you're doing, or if you don't ask the right questions, you could end up paying a few.

How to Create a Simple Budget

Building a budget can be a great way to help reduce financial stress and plan for the future. According to a recent Gallup poll, only 32% of Americans had a monthly budget to track income and expenditures and only 30% had a long-term savings plan.

All loans are subject to approval. Your rate may vary and is determined by your creditworthiness.

1. Data and other wireless carrier charges may apply.

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

3. Points will be earned on Net New Purchases, which will be your purchases minus returns/credits made on your credit card account. You will earn 3 points per $1 for Net New Gasoline Purchases you make with the card, when paid at the pump (based on Visa® Merchant Category Codes 5542). You will earn 2 points per $1 for Net New Supermarket Purchases you make with the card (based on Visa® Merchant Category Code 5411) and 2 points per $1 for Net New Warehouse Purchases you make with the card (based on Visa® Merchant Category Code 5300). You will earn 1 point per $1 for all other Net New Purchases you make. Signature Premier Rewards Visa® Program Rules.

4. Points will be earned on Net New Purchases, which will be your purchases minus returns/credits made on your credit card account. You will earn 1 point per $1 for all other Net New Purchases you make. Rewards Visa® Program Rules.

5. APR = ANNUAL PERCENTAGE RATE. Lowest rate based on Coastal Federal Credit Union's Qualified Loan Program. This APR will vary with the market based on the Prime Rate. Normal credit approval applies.

6. A special introductory balance transfer rate of 0.00% APR applies for 12 months from the account open date. At the end of 12 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.

7. A special introductory offer purchase and balance transfer 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.

8. Valid mobile phone number required. Data and other wireless carrier charges  may apply.

 

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