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Classic Credit Card

Get the lowest rate possible

High rate credit cards have met their match

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Get 0% APR* on all purchases for 6 months


Rates as low as

6.75% APR*

Get 0% APR* on balance transfers for 6 months

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.

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 6.75% APR*
Classic Credit Card

Keep more of your money

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

Jumpstart your journey

  • $0 Fraud Liability#
  • 0% APR* on purchases for six months
  • 0% APR* on balance transfers for six months
Life Journey

Interested in earning rewards with your purchases? The Rewards Credit Card has built-in cash back features that help you earn every time you spend.

Rewards Credit Card

Earn unlimited rewards with every purchase

  • 5% cash back on all purchases
  • No annual fees
  • No balance transfer fees
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You can win a 2021 Tesla Model 3

Time to swipe yourself into a brand-new Tesla. That’s right. Your swipes can earn you entries into our Tesla giveaway. When you open a Classic Credit Card and make at least 10 purchases in a month, you’ll be entered to win a 2021 Tesla! It’s that simple.

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Tesla Giveaway
You know that details matter. [And you are in good company.]
Here are a few frequently asked questions:

Yes! You can have a Classic Credit Card and a Rewards Credit Card. To do this, you will just need to qualify for both. Cardholders are limited to one (1) Classic Credit Card.

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.

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

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.

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


* Introductory rate of 0% on purchases for 6 months from date of account opening and an introductory rate of 0% for 6 months from date of first transfer for balance transfers. Balance transfers must be completed within 6 months of account opening. After that, the standard variable APR (from 6.75% APR to 14.25% APR) for purchases will be applied to unpaid introductory balances, new purchases, and new balance transfers. All applicants are subject to credit approval.

^ Data fees may apply. Please check with your service provider.

# 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. Please note: You are responsible for reviewing your statements and reporting unauthorized transactions to us.