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Classic Credit Card

Couple looking at credit card
Classic Credit Card

Get the lowest rate possible

High rate credit cards have met their match

Save
SAVE

Get 0% APR1 on all purchases for 6 months

Value
VALUE

Rates as low as

12.00% APR1
Transfer
TRANSFER

Get 0% APR1 on balance transfers for 6 months

Aim high with low rates

The Classic Credit Card gives you access to our lowest credit card rate. Low rates mean better ways to spend and consolidate other high-interest credit cards. For your first six months, enjoy 0% APR1 on balance transfers and 0% APR1 on all purchases.

Use the Civic app2 or online banking to track your spending and your progress paying off your balance. The Classic Credit Card provides you with the lowest rates possible to help you spend and borrow better.

Classic Credit Card

Get affordable access

  • Loan amounts up to $30,000 for individuals and up to $60,000 for joint accounts
  • Minimum payment 3% of the outstanding balance or $25 whichever is greater
  • Rates as low as 12.00% APR1
apply
Happy parents and their small kids playing cards in the living room.

Keep more of your money

  • No application fees4
  • No cash advance fees
  • No annual fees
apply
Savings Features

Jumpstart your journey

  • 24/7 identity and theft protection 3
  • 0% APR on purchases and balance transfers1 for six months
  • Get Roadside Dispatch as a perk with your card5
apply
Life Journey

Interested in earning rewards with your purchases? The Rewards Credit Card has built-in features that help you earn points when you spend.

Rewards Credit Card

Earn unlimited rewards with every purchase

  • Get rewards points on your qualified purchases
  • No annual fees
  • No balance transfer fees
learn more
Discover your success
Civic Membership

You Belong Here

Here, you’re part of a community that puts community first.

We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.

Our commitment to keeping it local

Local governments are essential for building a strong economy, increasing the standard of living and serving North Carolinians. And at Civic, we’re embedded in the local economy, offering equitable products and positive financial returns for our members, small businesses and nonprofits.
Your voice matters
Civic Membership

You Belong Here

Here, you’re part of a community that puts community first.

We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.

Our commitment to people

Our mission is people, not profits. We resolve to put the needs and well-being of individuals, families and communities first. And in everything we do, we cultivate practices of embracing our differences through a policy of diversity, equity and inclusion for all.
Other ways to Join
Civic Membership

You Belong Here

Here, you’re part of a community that puts community first.

We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.

Our commitment to prosperity

We engage in an active use of finance to do good while helping our members to do well. This means we offer member-focused benefits like equitable dividends, low fees, better interest rates and products that help you get ahead.
 
You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:

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Disclaimer

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 12.00% to 18.00% APR) for purchases will be applied to unpaid introductory balances, new purchases, and new balance transfers. Credit card may be secured with Civic Select Savings Account funds.

2 Message and data rates may apply.

3 Identity theft and fraud protection are provided by Visa® through ID Navigator Powered by NortonLifeLock™ for Civic debit and credit cards. The service does not apply to checks or ACH transactions.

4 Other fees may apply.

5 Provided by Visa.® No membership, pre-enrollment or annual dues required. See your cardholder agreement for details.