Credit Cards
Some credit cards come with extra low interest rates. Some feature generous rewards programs. We offer a third option - the best of both worlds.
Everyday Rewards
Make MY Card your everyday card with our Everyday Reward Program. That's right - get the biggest bang for your buck when you swap your debit card with a MY Card and earn points for your everyday purchases.
Track your points in digital banking, and when you've accumulated enough, redeem them for whatever makes you happy.
Most members choose Cash Back, but we also offer premium gift cards to places like Amazon, Target, Lowes, and Apple, name-brand merchandise, travel services, and more. Here's how it works:
- Standard Points
- Earn 3 Points for every $1 you spend on transportation and travel
- Earn 1.5 Points for every $1 you spend on all other purchases
Don't flip out, flip the
Balance!
Balance Transfer Offer
- 0% for balance transfers for up to 12 months
- After that, variable APR is 15.40% - 18.00%**
- No Balance Transfer Fee
- Option to deposit the transferred amount to your Commonwealth Credit Union checking or savings account
- Earn an additional 25,000 points after spending $5,000 on purchases that post within the first 3 months - equal to $250 Cash Back
- 0% introductory Annual Percentage Rate (APR) for 6 months from account opening on purchases; after that, the variable APR is 15.40% - 18.00%*
- Everyday Rewards program with Cash Back
- No annual fee
- No foreign transaction fees
- Over 35 unique card designs
Plus, you get:
- Visa's Zero Liability protection from unauthorized charges
- Visa Advanced Authorization anti-fraud detection system monitors for suspicious activity
CCU Card Monitor+ App
Keep track of your spending and quickly stop suspicious activity on your debit or credit card thanks to CCU Card Monitor+. Stay informed with real-time transaction alerts via email, text, or push notifications. Use this app in conjunction with your Commonwealth CU Go Mobile app to manage and monitor your membership.
Additional cardholder Benefits
Cell Phone Protection
When you pay your cell phone bill using your MY Card, enjoy the benefit of Cell Phone Protection. Not only will you earn Everyday Rewards Points, Cell Phone Protection may provide coverage for damage to, theft of, or involuntary and accidental parting of your cell phone.
Roadside Dispatch
This pay-per-use roadside assistance program provides you with security and convenience. So whether you need to be towed while traveling to work, a jump start while you're out shopping, or a tire change while you're on vacation, Roadside Dispatch is just a phone call away.Standard Protection Package
Enjoy extra perks when you make purchases using your MY Card. Exclusions, terms, and conditions apply.
- Accidental Death & Dismemberment
- Travel Accident Insurance
- Travel and Emergency Assistance Services
- Warranty Manager Service
Click to Pay with Visa
Enroll your credit card in Click to Pay with Visa to save time when shopping online. With Click to Pay, you no longer have to type in your card and shipping information, and with multiple layers of security, it provides the peace of mind you need.
Here's how to use it:
- Look for the Visa Checkout button
- Enter your email and password
- Confirm your purchase
*Annual Percentage Rate. 0% introductory APR for 6 months from account opening on purchases. After the intro period, a variable APR of 15.40% - 18.00% will apply. Cash advance fee is 3% of each cash advance or a $10 minimum. No Annual Fee. The rate is a variable rate and the maximum APR that can apply is 18.00%. Loans subject to approval. Rate, term, and conditions are subject to change and vary based on creditworthiness and qualifications. We may end your Introductory Rate and apply the Standard APR based on the terms of your original agreement if you make a late payment. View full credit card disclosure.
**ANNUAL PERCENTAGE RATE for this promotion will be 0% for the introductory balance for up to twelve months. To receive the 0% introductory rate, the balance transfer must be completed between 1/01/2025 - 6/30/2025. After the introductory period, the standard rate will change to 15.40% - 18.00% APR. No Balance Transfer fee will be applied. Balance Transfer rate will change to the standard rate on 12/31/2025. Purchase APR is a variable rate of 15.40% - 18.00% and may vary after account opening. Cash advance fee is 3% of each cash advance or a $10 minimum. Loans subject to approval. Rate, term, and conditions are subject to change and vary based on creditworthiness and qualifications. View full credit card disclosure.
***Two requirements must be met to receive the One-Bureau Credit Monitoring feature: (i) your identity must be successfully verified with Equifax; and (ii) Equifax must be able to locate your credit file that contains sufficient credit history information. If these requirements are not met, you will not receive Credit Features from Equifax. You will receive Credit Features once the verification process is successfully completed. Any credit monitoring from Equifax will take several days to begin after your successful plan enrollment.
Frequently Asked Questions
When doing a Balance Transfer, how do I transfer the amount to my Commonwealth Savings or Checking Account?
If you have a Commonwealth Credit Union Checking or Savings account, the transferred amount can be deposited into either account and accessed in a snap. Just select the "deposit" option on the balance transfer form, indicating which account you would like the transferred amount sent, and the funds will be deposited directly into your account. Good-bye snail mail checks, hello instant access!
Express Yourself!
Your card is uniquely yours, and now you can customize your look by picking your favorite from over 35 card designs. A gorgeous sunset, thunderous hooves of Kentucky thoroughbreds, a basketball tipping into the hoop at the buzzer, and many more... the choice is yours!