Rate Advantage Visa®

Our lowest interest rate card.

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The ideal choice for everyday use and balance transfers.

Your gateway to smarter spending in North Carolina.

  • Introductory APR Offer

    Enjoy a 0% intro APR on purchases & balance transfers for the first 6 billing cycles. After that, the standard variable APR will be 11.50% to 18.00% on purchases and balance transfers.38

  • No Annual Fees40

    Experience the freedom of a credit card with no annual fees.

  • Easy to Manage

    Manage your account easily inside Digital Banking.

Rate Advantage Visa® Rate

Rate Advantage Visa® Rate

This card offers our lowest interest rate, making it a cost-effective option for your wallet.

Product Intro Offer After Intro APR38
Rate Advantage Visa®

0% intro APR on purchases & balance transfers for the first 6 billing cycles38

 11.50% to 18.00%

 

Even More Benefits

  • Financial Flexibility

    Ideal for both new purchases and managing existing debt through balance transfers.

  • No Penalty Rates

    Rest assured, knowing that there are no penalty rates, allows for a stress-free credit experience.

  • Convenient Payments

    Make purchases securely and effortlessly using Digital Wallets & Mobile Payments.7

  • Fraud Protection

    Stay protected with free fraud text alerts, included automatically with your Coastal credit card.7

Explore More Credit Card Options

Want to learn more about Coastal Credit Union’s low-rate credit cards? Give us a call or visit us in person at one of our North Carolina branches.

Frequently asked questions about our Rate Advantage Visa®.

After the introductory period ends, your rate will revert to the standard rate you qualified for, determined by your creditworthiness.
As our lowest rate card, the Rate Advantage card is an excellent option for balance transfers.
No. Coastal does not charge an annual fee for any credit card. Please view our Application and Solicitation Disclosure for more details.
Yes. All our credit cards are enabled for use with Apple Pay®, Samsung Pay®, Garmin Pay®, and Google Pay®.
Yes. Our foreign transaction fee is 1% of each transaction in US dollars. Terms and conditions apply. Please view our Application and Solicitation Disclosure for more details.