Credit Cards

Credit Cards

Put more purchasing power in your wallet.

Apply Now

Credit Cards

Get the power to pursue you started. Click the button below to begin your application.


Our local Member Advocates are here to help.

Call or text us: 503-656-0671

Our call center is ready to help you out during our business hours:
Mon - Fri: 9:00AM-5:30PM
Sat: 9AM-1PM

It’s time to Bank Boldly. Whether you’re looking for fixed rates or flexible rewards, we have a credit card option for you.

All the benefits without the gotcha fees

Talk bubble class="wrapper">

Friendly, local service featuring real humans.

No Fees class="wrapper">

No balance transfer or cash advance fees.

Calendar class="wrapper">

No annual or monthly maintenance fees.

Which Embold Visa is right for you?

Platinum Visa¹

Put power in your pocket with a low, fixed rate that isn’t hiding any sneaky fees.

Rewards Visa¹

Celebrate everyday purchases with rewards you can actually use—redeem your points for gift cards or cash back.

Current rates

Visa Credit Cards


APR2 as low as

Platinum Visa rates effective as of April 5, 2021.

Rewards Visa rates effective as of July 31, 2023.


Platinum Visa

APR2 as low as

12.50% (fixed)


Rewards Visa

APR2 as low as

15.74% (variable)

We're here to help

DebitCard class="wrapper">

Lost Card? New Card?

Manage your cards, set travel notices, order replacements and more all within Digital Banking.

Need to change your PIN? Call (855) 477-1163 or stop by a branch today. Joint members can manage their cards 24/7 by calling (855) 477-1163.

Growth Investments class="wrapper">

Payment Protection

When the unexpected happens, Payment Protection can protect your loan against life’s most unforeseen events. Increase your monthly loan payment by a little to increase your peace of mind by a lot.

Run the numbers

Questions? We have answers

Short answer: Yes. Full answer: It’s complicated. Give one of our loan experts a call and we’ll walk through the options with you.

Points are earned when you make purchases using your Embold Rewards Debit Card or Embold Rewards Credit Card. For every $4 you spend on your Rewards Debit Card, you will receive one point. For every $1 you spend on your Rewards Credit Card, you’ll receive one point.

Yes, your points will be aggregated between your personal Rewards Checking and Rewards Visa accounts automatically. If you would like to combine points with someone else, you can transfer your points to them. Please see additional FAQs regarding how long points are valid for.

You can access your Rewards account information by logging in to your Digital Banking account. Don’t have a login created? Visit our Digital Banking page to get started today. Or if you prefer, you can create a separate login for our Rewards Redemption site by clicking here.

Ready, set, go

Is it time to put more purchasing power in your wallet?

Apply Now

Get in touch

Call, text or write.
Let's talk
Chat with us online.
Let's chat.
Find a branch.
View Locations


1) For details, see our Platinum Visa application disclosure or Rewards Visa application disclosure.

2) APR: Annual Percentage Rate. All Annual Percentage Rates are tiered based upon credit worthiness of the borrowers and other criteria.

Circumstances under which a finance charge will be imposed: The total outstanding balance of purchases and cash advances in the account on the closing date of a billing cycle, including any interest charge will be shown on the periodic statement for that billing cycle as the “New Balance.”

Cash advances & balance transfers: An interest charge will be imposed on cash advances and balance transfers from the date each transaction is made. There is no time period within which to pay to avoid a periodic interest charge cash and balance transfer advances.