Cheerful man just got a balance transfer with the Civic Classic Credit Card.

Credit Card Overview

Find affordable credit cards with low rates, rewards points, and helpful features.

Options

Rewards Card or Classic Card

Affordable

Low rates, 0% APR on balance transfers¹

Save

No application, cash advance, or annual fees²

Apply for credit cards with rewards, low rates

Information and choice are powerful resources. Especially when it comes to building and using credit. Whether you need a credit card that offers 0% APR balance transfers or our lowest credit card rates, you are in the right place.

Our Classic Credit Card has our best credit card rates, as low as 11.25% APR. You will get a 0% APR credit card when you make purchases and any balance transfers for the first 6 months. If you choose the Rewards Credit Card, you will earn 1% in rewards points³when you make qualifying purchases. You decide when to redeem them — they never expire. To redeem, use the uChoose Rewards catalog to find thousands of options. Borrowing on credit can be affordable, convenient, and powerful.

Rewards Credit Card

Best life with rewards points

Earn 1% back in rewards points on your purchases
Rates as low as 13.75% APR
Loan amounts up to $30,000 (individuals) or $60,000 (joint accounts)
No application, cash advance or annual fees

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Classic Credit Card

Lowest possible rates

0% APR on purchases and balance transfers for first 6 months
Interest rates as low as 11.00% APR
Individual loans up to $30,000, joint accounts up to $60,000
No application, annual or cash advance fees

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Rates

Credit Cards

0	Account Type	APR
1	Rewards Credit Card	As low as 13.75%
2	Classic Credit Card	As low as 11.00%

APR = Annual Percentage Rate
Effective Date: 03/02/2025

Life is digital

So are these everyday financial tools

Control your card in the mobile app graphic

Securely manage card activity in the app

Civic Bonus Checking contactless payment graphic

Pay fast and secure with tap to pay or digital wallet

Send and receive money - fast, safe and easy

You know the details matter (and you are in good company)

Here are a few FAQs

How are payments calculated?

The minimum payment calculation for all Civic credit cards is 3% of the outstanding balance or $25, whichever is greater. Statements are sent on the 31st of each month and payments are due on the 25th.

Does the Classic Credit Card earn rewards?

No. The Classic Credit Card has the lowest possible rates of any card we offer. If you want reward options, check out the Rewards Credit Card.

What is required to complete a balance transfer?

After your credit card is activated, use mobile or online banking to log into your secure portal. Here, the system will walk you through the balance transfer process.

Are there any fees?

While we waive a lot of fees (like annual, application, and cash advance fees), there is still a late payment fee.^

Are there really no fees?

While we waive a lot of fees, there is still a late payment fee.^

Are there limits to the amount of rewards I can earn?

This card provides unlimited points, which accrue as you make purchases and can be redeemed the following month. For full details, check out the terms and conditions.

Where do I redeem my rewards?

You can track your points and view your rewards anytime when you log in to online banking. Click the link to the uChoose Rewards online catalog to see all your reward options.

How do I get started?

Click apply, and you’re on your way!

How do I earn rewards points?

Civic partners with uChoose Rewards so you can earn 1 point for each dollar you spend on qualifying purchases using your Civic Rewards Credit Card. The offer is good anywhere in the U.S. that the card is accepted. You can earn even more points when you shop at the participating retailers featured on the uChoose Rewards site.

What types of rewards are available?

You can redeem your points online for gift cards, merchandise, travel perks and more, or choose to pay with points at participating merchants.

When can I redeem my points?

It can take up to 60 days for your points to be credited to your account. To redeem your points, you may need to accumulate a minimum points threshold. Check the dashboard on the uChoose Rewards homepage to see when you’re eligible for redemption.

Where can I view my points activity?

Log in to Civic online banking and click on My Rewards to view all the points you’ve recently earned and redeemed.

What happens to my points if my card is lost or stolen?

Don’t worry: If your card is lost or stolen and a replacement is issued, you can access your points with the new card, as long as it is on the same account. Once you receive your new card, simply log in as usual and you will see the new card and current points balance.

View All FAQs

1 APR = Annual Percentage Rate. Subject to approval. Introductory rate of 0% APR on purchases and balance transfers for 6 months from date of account opening. After that, the standard variable APR (from 11.00% to 18.00% APR) for purchases will be applied to unpaid introductory balances, new purchases, and new balance transfers.

2 Other fees may apply. Get details.

3 Subject to approval. Rate and credit limit are evaluated based on member’s credit history; rates are subject to change. Credit card may be secured with Civic Select Savings Account funds. 1% rewards offer applies to Civic Consumer Rewards Credit Cards only. 1% rewards available for card purchases, less returns. Redemption value of points may vary depending on the redemption option selected. If not already a member, you must obtain membership with Civic at the time of credit card application. See full details and exclusions for the Civic Rewards program.