Personal Credit Cards

Low interest credit cards with 0% Intro APR for 12 months on balance transfers*

 
All of our personal credit cards feature a 0% introductory APR rate for 6 months, and 0% balance transfer rates for 12 months to help you consolidate debt.



Compare Credit Cards
Choice Rate Visa
Choice Cash Visa
Signature Visa with Bonus Rewards
Promotional Offer – Earn $150 rebate when you spend $1,000 in the first 90 days Earn 25,000 points for $5,000+ spent in first 90 days
Introductory Rate 0% introductory APR on purchases within the first 6 months*

0% balance transfers within the first year*		 0% introductory APR on purchases within the first 6 months**

0% balance transfers within the first year**		 0% introductory APR on purchases within the first 6 months***

0% balance transfers within the first year***
Interest Rate (after Introductory Rate Ends) 10.25% up to 18.00% APR based on your creditworthiness, when you open your account 11.75% up to 18.00% APR based on your creditworthiness, when you open your account 14.25% up to 18.00% APR based on your creditworthiness, when you open your account
Reward Lowest APR 2% cash rebate on select purchases (groceries, childcare, gym, and utilities) and 1% on all other purchases 2 points for every $1 spent on purchases, redeemable for merchandise, travel, gift cards, and cash
Annual Fee $0 $0 $0

Choice Rate Visa Details Choice Cash Visa Details Signature Visa Details

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Disclosures

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships and credit products are subject to approval.

APR = Annual Percentage Rate.  Credit Card Annual Percentage Rates (APR) accurate as of December 31, 2025.  

 *Introductory 0% APR applies to purchases for 6 months and balance transfers for 12 months from account opening.  After each introductory period ends, the APR will be 10.25% up to 18.00% variable rate APR based on your creditworthiness. APR varies with the Prime Rate. Balance transfer must be initiated within the first 180 days of account opening in order to qualify for introductory rate. Balance transfers must be initiated within 180 days, may take up to 15 business days to process, and are subject to a 3% balance transfer fee. Continue making payments on transferred accounts until complete. 

**Introductory 0% APR applies to purchases for 6 months and balance transfers for 12 months from account opening.  After each introductory period ends, the APR will be 11.75% up to 18.00% based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate. Balance transfers must be initiated within 180 days, may take up to 15 business days to process, and are subject to a 3% balance transfer fee. Continue making payments on transferred accounts until complete. $150 cash back requires $1,000 in qualifying purchases within the first 90 days. Balance transfers, cash advances, fees, returned purchases, and non-purchase transactions do not qualify for cash back. Cash back applies to qualifying purchases. 

***Introductory 0% APR applies to purchases for 6 months and balance transfers for 12 months from account opening.  After each introductory period ends, the APR will be 14.25% up to 18.00% based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate. Balance transfers must be initiated within 180 days, may take up to 15 business days to process, and are subject to a 3% balance transfer fee. Continue making payments on transferred accounts until complete.