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

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.

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.

Click apply, and you’re on your way!

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.

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

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.

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

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.

We work fast. The online application will take less than ten minutes. You will have an answer within one business day.

You can still apply. Our team will look for ways we can help you.

You can still apply. We may ask for a co-borrower if needed.

Consider how you will use your card. If you want to perform balance transfers, replace another card or make large purchases, ensure the credit limit you request covers these amounts. And, don’t worry if you qualify for more; we'll let you know. As a note, loan amounts up to $30,000 for individuals and up to $60,000 for joint accounts.

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.

Once you get your credit card, you can request a balance transfer anytime through the Civic mobile app or our website. If you have more specific questions as you get started, the Experience Center is available to help you navigate the process.

We can establish your membership during the account opening process.