Classic Credit Card

Couple looking at credit card
Classic Credit Card

Get the lowest rate possible

High rate credit cards have met their match


Get 0% APR* on all purchases for 6 months


Rates as low as

9.00% 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 9.00% 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

  • Cash back on all purchases
  • No annual fees
  • No balance transfer fees
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You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:


* APR = Annual Percentage Rate. Introductory rate of 0% APR on purchases for 6 months from date of account opening and an introductory rate of 0% APR 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 9.00% to 16.50% APR) for purchases will be applied to unpaid introductory balances, new purchases, and new balance transfers. All applicants are subject to credit approval.

‡ Standard message and data rates apply. Please check with your carrier for details.

# 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.

^ Other fees may apply.