Women in orange shirt scanning her debit card.

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       

Get your money in balance!

Transfer Balances and Save

  • 5.99% APR** for the life of the transferred amount
  • No Balance Transfer Fee
  • Option to deposit the transferred amount to your Commonwealth Credit Union checking or savings account

Make My Card Your Everyday card

The numbers all work in your favor. The Commonwealth Credit Union MY Card slashes your interest charges with a low introductory rate. It also helps you earn attractive rewards in a hurry by paying 3 points per $1 spent on transportation and travel and 1.5 points for all other purchases.

Everyday Rewards logo.

Step 1:

Use MY Card for your everyday purchases & earn Everyday Rewards
When it comes to everyday purchases, get the biggest bang for your buck when you swap your debit card with a MY Card from Commonwealth Credit Union.
  • 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
Step 2: 
Redeem your points
Track your points within 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. 

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. 

New Cardholder Perks

  • 0% introductory Annual Percentage Rate (APR) for 6 months from account opening on purchases; after that, the variable APR is 13.40% - 24.00%*
  • Earn an additional 25,000 points after spending $5,000 on purchases that post within the first 3 months - equal to $250 Cash Back 

Everyday Perks

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


Express yourself!

Your card is uniquely yours, and now you can customize your look by picking your favorite from over 25 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!

An arrangement of Commonwealth Credit Union debit cards with varying designs on the front sides.
Cell Phone Protection
Whether it's texting, scrolling through social media, listening to music, or a myriad of other activities, our cell phones are intertwined into our everyday lives. As a necessity for the average person, our cell phones not only connect us to the world at large, they provide limitless potential right at our fingertips. When it comes to losing that access to the outside world due to damage or theft, a repair or replacement just isn't optional. Fortunately, when you pay your cell phone bill using your MY Card you get Cellular Telephone Protection, which may provide coverage for damage to, theft of, or involuntary and accidental parting of your cell phone.

Norton LifeLock
At Commonwealth Credit Union, we are always looking for ways to better our members’ lives and make their experience extraordinary. With security being our number one priority, we have decided to update some of the perks included with your Visa MY Card. Your MY Card now includes ID Navigator powered by Norton LifeLock. No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. 

How ID Navigator Powered by Norton LifeLock can help:

  • Dark Web Monitoring – continuously patrols the dark web and private forums looking for personal information that may belong to you. Should it be found, notifications are sent with suggested steps.
  • Data Breach Notifications – sends notifications on large-scale breaches so you can act quickly should a breach affect your personal information. 
  • Stolen Wallet Assist – A stolen wallet can mean a lost identity. If your wallet is stolen you will receive guidance to help you cancel or replace key documents like your credit cards, driver’s licenses, Social Security cards, insurance cards, and more.
  • One Bureau Credit Monitoring Alerts*** – helps your stay on top of your credit to help detect fraud more quickly. Alerts are sent when key changes are made to your credit file with a major credit bureau.
  • Credit, Bank, and Utility Account Freezes – provides instructions and links so you can quickly freeze credit, bank, and utility files with each consumer reporting company to help protect you against criminals opening unauthorized accounts in your name.
  • Restoration Assist – U.S.-based Identity Restoration Specialists are available Monday – Friday 6 am -5 pm PST with guidance and with the next steps to assist you should you become a victim of identity theft or other suspicious activity. 

*Annual Percentage Rate. 0% introductory APR for 6 months from account opening on purchases. After the intro period, a variable APR of 13.40% - 24.00% 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 24.00%. 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. Balance Transfer rate will not change for the life of the transferred amount. Purchase APR is a variable rate of 13.40%-24.00% 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 December 31, 2022. 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.


These reward options are on point!
money icon
Choose cash back and we'll deposit it right to your savings account! Save it,  transfer it to your checking account, or put it toward your balance!
card icon
Use them as gifts. Use them on yourself. You can't go wrong by redeeming your rewards on gift cards.
computer icon
From televisions to sporting goods, choose from merchandise from all your favorite brands.
car icon
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.
heart icon
Put your points to good use by redeeming them towards donations to one of our approved charities.

Frequently Asked Questions

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!
As a MY Card holder you must enroll to use NortonLifeLock. You can choose the complimentary ID Navigator benefit, or a more robust NortonLifeLock product at a special discounted price. Enrolling is easy! Simply go to www.cardbenefitidprotect.com (Opens in a new Window) and enter your card number. Once you reach the landing page and select the complimentary ID Navigator benefit. Enter your email and create a password. Then provide your basic identification information, accept the terms and conditions, and you’re done! 

This is a great benefit of your MY Card and will help provide security and peace of mind with your card and account. If you have any questions or need any help, contact one of our financial service representatives at 800-228-6420. They will be happy to walk you through the process every step of the way. As always, thanks for being a part of the Commonwealth Credit Union family.  

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.