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 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.^

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.