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

Get the lowest rate possible
High rate credit cards have met their match
Aim high with low rates
The Classic Credit Card gives you access to the lowest credit card rates possible. Low rates mean better ways to spend and consolidate other high-interest credit cards. For your first six months, enjoy 0% APR* on balance transfers and 0% APR* on all purchases.
Use the Civic app‡ 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.

Here are a few frequently asked questions:
Disclaimer
* APR = Annual Percentage Rate. 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. All applicants are subject to credit approval.
‡ Message and data rates may apply.
# The $0 Liability Guarantee covers fraudulent transactions made by others using your Civic consumer debit or credit cards. To be covered, report transactions made by others promptly, and don't share personal or account information with anyone. You are responsible for reviewing your statements and reporting unauthorized transactions to us.
^ Other fees may apply.