A woman fits a child with rain boots in a store.

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.


Redeem My Points       

Piling up the rewards points?

Easy as 1, 2, 3 with My Card

The numbers all work in your favor. The Commonwealth Credit Union MY Card slashes your interest charges with a low introductory rate. And it helps you earn attractive rewards in a hurry by paying triple points on travel and transportation expenditures, and double points for food and entertainment purchases.

Earn 3-2-1 REWARDS

  • Earn 3 Points for every $1 you spend on transportation and travel
  • Earn 2 Points for every $1 you spend on food and entertainment
  • Earn 1 Point for every $1 you spend on all other purchases
  • Redeem points in Online or Mobile Banking for cash back, gift cards, name-brand merchandise, travel services, and more

New Cardholders Perks

  • 0% introductory Annual Percentage Rate (APR) for 6 months from account opening on purchases; after that the variable APR is 11.15% - 22.25%*

Transfer Balances and Save

  • 5.99% APR** for the life of the transferred amount
  • No Balance Transfer Fee

Plus –

  • No annual fee
  • No foreign transaction fees
  • Connect your card to your mobile wallet for quicker, more secure transactions
  • Enjoy the peace of mind from Visa's 24/7 ID theft services and Zero Liability for unauthorized purchases, plus additional fraud protection. 

Visa Checkout
Online payments are quicker and more secure using Visa Checkout. All you do is enroll your credit card in Visa Checkout to save time using your tablet, smartphone, or computer. You no longer have to type in your card and shipping information. And with multiple layers of security, Visa Checkout provides the peace of mind you need.

Here's how to use it:
  1. Look for the Visa Checkout button
  2. Enter your email and password
  3. 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 11.15% - 22.25% 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 22.25%. 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. Balance Transfer rate will not change for the life of transferred amount. Purchase APR is a variable rate of 11.15%-22.25% and may vary after account opening. Cash advance fee is 3% of each cash advance or a $10 minimum. All loans subject to approval. Rate, term, and conditions are subject to change and vary based on creditworthiness and qualifications. Call us at 800.228.6420 for details about credit costs, terms, and Reward points. Limited time offer. Offer valid through June 30, 2021. View full credit card disclosure.

REWARD OPTIONS THAT ARE ON POINT

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CASH BACK
Choose cash back and we'll send you a check. Use your mobile app to deposit it, and you'll be all set! Use it to pay on your card or whatever your heart desires.
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GIFT CARDS
Use them as gifts. Use them on yourself. You can't go wrong by redeeming your rewards on gift cards.
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MERCHANDISE
From televisions to sporting goods, choose from merchandise from all your favorite brands.
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TRAVEL
Travel may not be in your near future, but start saving your points now for an amazing trip once the world gets back to normal.
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CHARITY
Put your points to good use by redeeming them towards donations to one of our approved charities.
Group of friends walking and smiling together.

Personalize Your Debit Card

Now you can relive favorite memories with every swipe, or be reminded of a favorite person (or pet) with every purchase. With Personalize It! PhotoCards, you can customize your card with an image that's meaningful to you. Your special memories can be uploaded from your phone or computer. You can also choose an image from our library.

Let's get personal

Commonwealth Credit Union is a full-service, not-for-profit financial institution with branches throughout Kentucky, serving as the official credit union of the University of Louisville.