CREDIT CARDS
Credit Cards
CREDIT CARDS
Credit cards are better from your credit union.
Put quality in your wallet and savings in your pocket with our range of affordable credit cards. Low rates, no fees, and great introductory offers come standard.
No balance transfer fees. No interest for 12 months.
0% Intro APR1
For 12 months on purchases and balance transfers made within the first 90 days.
No Fees
No balance transfer fee, cash advance, foreign transaction, or annual fees.
Low Rates
Expand your purchasing power and build credit with low, competitive rates.
Instant Access
Start using your digital card on Day 1 without waiting for your physical card in the mail.
Affordable access to every adventure.
What’s your adventure? Big or small, bold or practical—it’s yours to define. Maybe you’re chasing a new skill, planning a long‑awaited trip, or simply working toward greater financial confidence. For some, adventure means paying down debt or building credit. For others, it’s taking the next step toward a home, a business, or a dream that’s been on the horizon for years.
Wherever you’re headed, we’re here to help you move forward. Our credit card options are designed to be straightforward, affordable, and supportive of your goals—whether that’s saving more, earning rewards, or building a stronger financial foundation.
Your card. Your goals. Your adventure.
- 0% intro APR¹ for 12 months on purchases and balance transfers made within the first 90 days
- Get $200 after making $3,000 in purchases in the first 90 days
- Get unlimited, automatic cash back on all purchases
- Earn 1.25 points back per $1 spent
- Hotel, concierge, and golf discounts
- 0% intro APR¹ for 12 months on purchases and balance transfers made within the first 90 days
- Get $100 after making $2,000 in purchases in the first 90 days
- Get unlimited cash back on all purchases, or redeem points for travel or merchandise.
- 1 point per $1 spent
- 0% intro APR¹ for 12 months on purchases and balance transfers made within the first 90 days
- Get $100 after $1,500 in purchases in first 90 days
- Features our most competitive rate
Here’s what sets our cards apart.
We’re a not-for-profit financial co-operative, allowing us to offer the lowest interest rates on all our card products. That means you can save on your monthly payments while enjoying benefits such as:
- Save money with no fees. We charge no balance transfer, cash advance, foreign transaction, or annual fees. Late payment charges and penalty rates for non-payment may still apply.
- Special introductory offer: Let us welcome you as a cardholder. Pay 0% intro APR for 12 months on any purchases and balance transfers you make in the first 90 days.
- Earn a bonus by spending: We pay you up to $200 based on what you charge in your first 90 days.
- Benefits and perks: Depending on your card, enjoy benefits from 24/7 service support to special discounts on select merchants and car and hotel deals.
In addition, every credit card we offer comes loaded with the power and worldwide recognition of Visa, so you can spend with confidence and security, wherever your adventures take you. Apply today!
Here’s what sets our cards apart.
We’re a not-for-profit financial co-operative, allowing us to offer the lowest interest rates on all our card products. That means you can save on your monthly payments while enjoying benefits such as:
- Save money with no fees. We charge no balance transfer, cash advance, foreign transaction, or annual fees. Late payment charges and penalty rates for non-payment may still apply.
- Special introductory offer: Let us welcome you as a cardholder. Pay 0% intro APR for 12 months on any purchases and balance transfers you make in the first 90 days.
- Earn a bonus by spending: We pay you up to $200 based on what you charge in your first 90 days.
- Benefits and perks: Depending on your card, enjoy benefits from 24/7 service support to special discounts on select merchants and car and hotel deals.
In addition, every credit card we offer comes loaded with the power and worldwide recognition of Visa, so you can spend with confidence and security, wherever your adventures take you. Apply today!
CONVENIENCE
Accepted everywhere, all the time.
Your Columbia Credit Union Visa credit card provides the ability to make purchases, reservations, pay bills, and get emergency cash when you need it most.
CONVENIENCE
Accepted everywhere, all the time.
Your Columbia Credit Union Visa credit card provides the ability to make purchases, reservations, pay bills, and get emergency cash when you need it most.
Your credit card is secure and convenient.
Mobile Wallet
Add your credit card and debit card to Apple Pay, Google Pay, or Samsung Pay to ditch the plastic completely.
EMV Security
All cards are protected with EMV chip technology to keep your information secure.
How to apply for a credit union credit card
- Apply Online: Click below to apply for your Columbia Credit Union credit card online.
- Get Approved: We’ll review your application and get back to you with a decision.
- Get the Benefits: Save money, build credit, get rewards — the choice is yours.
How to apply for a credit union credit card
- Apply Online: Click below to apply for your Columbia Credit Union credit card online.
- Get Approved: We’ll review your application and get back to you with a decision.
- Get the Benefits: Save money, build credit, get rewards — the choice is yours.
★★★★★
"Our experiences with Columbia CU have been wonderful. They are friendly and helpful. We’ve been with them for over 25 years. Highly recommend them."
- Carl & Audrey T.
Frequently Asked Questions
Cash back gives you a percentage of your spending back as cash or a statement credit. Rewards typically earn points or miles you can redeem for travel, merchandise, or gift cards.
If you carry a balance, a low rate usually saves you more money than rewards. Interest charges can cost more than the value of points or cash back. Rewards cards work best if you pay off your balance each month.
Yes, Columbia Credit Union allows you to switch cards without having to go through the entire application process again. Match your card to your changing financial needs and goals for optimum rewards and interest savings.
To apply for a credit card, you must be a member of Columbia Credit Union. Columbia Credit Union membership is open to individuals and businesses in Washington State and in the Oregon communities of Clackamas, Marion, Multnomah, and Washington Counties (and to the families of eligible individuals).
Track spending with our online tool.
Manage your Columbia CU accounts and accounts you may have at other financial institutions with our free Money Management tool within Digital Banking.
Track spending with our online tool.
Manage your Columbia CU accounts and accounts you may have at other financial institutions with our free Money Management tool within Digital Banking.
Traveling? Let us know.
Before you head off, let us know to ensure your cards don’t hit any turbulence while you’re away. Set a travel notice using Card Manager under “Additional Services” in Digital Banking on your desktop or under “More” in the Columbia CU app. Find more travel tips for keeping your cards secure here.
Traveling? Let us know.
Before you head off, let us know to ensure your cards don’t hit any turbulence while you’re away. Set a travel notice using Card Manager under “Additional Services” in Digital Banking on your desktop or under “More” in the Columbia CU app. Find more travel tips for keeping your cards secure here.
You can request a change in your credit card limit by calling 360.619.3400 or visiting any Columbia Credit Union branch. Increasing your credit limit isn’t automatic and is subject to approval.
Enjoy peace of mind knowing that if your Visa card is ever lost, stolen, or damaged, assistance is only a phone call away. A Visa representative will work with you to notify the appropriate parties and replace your card.
Need emergency cash? Visa will block your card (if the card number is known) and connect you with Columbia Credit Union. Once approved, cardholders can also get an emergency card replacement within three business days. Alternatively, Visa can arrange for cash to be available at a location near you usually within hours of approval.
Platinum and Platinum Rewards cards: 855-515-9061 toll free or 301-945-5773 international collect
Signature CashPlus cards: 855-650-7859 toll free or 301-837-8419 international collect
Or, call one of Visa’s global toll-free numbers.
Call anytime for Travel or Emergency Assistance, available for covered Visa Signature cardholders from anywhere in the world. Access to a multilingual call center – 24 hours a day, 365 days a year – to help get the assistance you need. Covered cardholders, their spouses, and dependent children 22 years of age or under who are traveling with them can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
- Pre-Trip Assistance – provides information about health precautions, weather reports, currency exchange rates, visas, and immunizations.
- Medical Referral Assistance – provides medical referral, monitoring, and follow-up.
- Emergency Transportation Assistance – arranges for transportation under medical supervision.
- Emergency Message Service – can relay emergency messages for travelers and is available 24 hours a day.
- Prescription Assistance and Valuable Document Delivery Arrangements – can accommodate unexpected prescription needs or transport critical documents (e.g. passport or travel visa), which may have been left at home or elsewhere.
- Legal Referral Assistance – can arrange contact with English-speaking attorneys, U.S. embassies and consulates, bail-bond assistance, cash advances, and follow-up assistance.
- Emergency Ticket Replacement – arranges for the replacement and delivery of new tickets, and assists with ticket reimbursement procedures.
- Emergency Translation Service – provides telephone assistance in all major languages and helps find local interpreters, if available.
- Lost Luggage Locator Service can help you through the common carrier’s claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage.
Signature CashPlus cards: 855-650-7859 toll free or 301-837-8419 international collect
Or, call one of Visa’s global toll-free numbers.
Visa Signature Concierge:
Let Visa Signature Concierge help you locate the perfect luxury hotel or book tickets any time of the day or night. Travel, sports and entertainment, fine wine and food, shopping. Complimentary assistance anytime, anywhere.
Luxury Hotel Collection:
Best available rate guarantee at over 900 luxury hotels around the world for Visa Signature cardholders. Automatic room upgrade upon arrival and complimentary in-room Wi-Fi when available. Complimentary breakfast for two. $25 USD food or beverage credit. VIP guest status. Late check-out upon request when available.
Troon Golf Benefits:
Use your Visa Signature card to enroll for Troon Rewards and make your golf reservations on the Visa Signature Troon website. Discover premium benefits at over 95 golf courses across the U.S. and the world. Receive complimentary Silver status in the Troon Rewards® program for discounts on merchandise purchases and golf fees with unlimited play. Terms and Conditions.
Need more financing options?
Home Equity Line of Credit
Leverage your home’s equity with our Home Equity Lines of Credit. Whether you’re renovating your space, investing in a dream purchase, or streamlining your finances, a HELOC opens doors to new opportunities.
Personal Loans
From funding your bucket list vacation to handling surprise expenses or streamlining your finances, our competitive rates and flexible terms are designed to fit your unique situation.
Business Credit Cards
Empower your business with a Columbia Credit Union Visa credit card. Select either Platinum or Platinum Rewards to access benefits tailored to your unique business needs.
¹APR=Annual Percentage Rate and is accurate as of January 1, 2026. 0% Introductory Annual Percentage Rate (APR) for 12 months on purchases and balance transfers made within the first 90 days. After the Intro APR offer ends, a Variable APR that’s currently 11.49% – 23.49% will apply. Subject to credit approval. Other terms and conditions may apply. See disclosures for additional details.