Credit Cards
Put more purchasing power in your wallet.
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
Friendly, local service featuring real humans.
No balance transfer or cash advance fees.
No annual or monthly maintenance fees.
Which Embold Visa is right for you?
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Best for...
Best for...
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No Annual Fee
No Annual Fee
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No Transfer Fee
No Transfer Fee
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Fixed Rate
Fixed Rate
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Earns Rewards
Earns Rewards
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Would Make Your Friends Jealous
Would Make Your Friends Jealous
Platinum Visa3
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Best for...
Putting power in your pocket with a low, fixed rate that isn't hiding any sneaky fees.
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No Annual Fee
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No Transfer Fee
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Fixed Rate
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Earns Rewards
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Would Make Your Friends Jealous
Rewards Visa4
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Best for...
Celebrating everyday purchases with rewards you can actually use—redeem your points for gift cards, cash back, travel, and even donations to your favorite charity!
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No Annual Fee
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No Transfer Fee
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Fixed Rate
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Earns Rewards
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Would Make Your Friends Jealous
Earn 20,000 Bonus Points² with a New Embold Rewards Visa
Open a new Embold Rewards credit card and you could earn a whopping 20,000 bonus points²! How? It’s simple: use your new credit card to spend $2,000 within the first 90 days of your card being issued and those points, equivalent to $200 in rewards, are yours.
Current rates
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Product |
APR2 as low as |
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Platinum Visa rates effective as of April 5, 2021. Apply now! Rewards Visa rates effective as of July 31, 2023. Apply now! |
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Product Platinum Visa |
APR2 as low as 12.50% (fixed) |
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Product Rewards Visa |
APR2 as low as 15.74% (variable) |
Run the numbers
We're here to help
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.
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.
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 visit our Embold Rewards page for 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.
Get in touch
Disclosures
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.
1) All travel purchases which are authorized and made between 5/15/24 and 7/15/24 will earn double reward points. Points will post within 30 days of promotion end date. All debit and credit cards issued by Embold Credit Union that earn Embold reward points are eligible to earn double reward points for this promotion. Qualifying merchant category codes include 3000-3800 (airlines), 4411 (cruise or steamship lines), 4511 (airlines, air carriers not listed elsewhere), 4582 (airports, airport terminals, flying fields), 5541 (service stations (with or without ancillary services), 5542 (automated fuel dispensers), 5172 (petroleum and petroleum products), 5511 (car and truck dealers (new and used) sales, service, repairs, parts, and leasing), 5552 (electric vehicle charging). Purchases made at a merchant that does not process transactions under these codes will not qualify (may include discount stores). Your card must be open and in good standing to earn rewards. Rates, terms, and conditions subject to change without notice.
2) Spend $2,000 or more in net purchases within 90 days of your card being issued to receive 20,000 bonus points. Bonus points will post within 30 days of the end of the promotion. All credit cards issued by Embold Credit Union that earn Embold reward points are eligible to earn bonus points for this promotion. Your card must be open and in good standing to earn rewards. Rates, terms, and conditions subject to change without notice.
3) For details, see our Platinum Visa application disclosure or Rewards Visa application disclosure.
4) APR: Annual Percentage Rate. All Annual Percentage Rates are tiered based upon credit worthiness of the borrowers and other criteria.