CBC Credit Cards

Low rates are standard with your CBC Visa Platinum credit card.

Take your pick of our classic Visa Platinum credit card or take advantage of incredible rewards on the things you buy most with our Epic Rewards card. Choose the card that suits your style:

  • CBC Visa® Platinum

    Save by taking advantage of a 2.99%^ introductory APR1 for the first 12 months.

    • Easy cash advances and free convenience checks with low rates.
    • Pay your credit card balances in any branch, online through CBC Online Access, or by mail.

    12-Month Intro Rate
    as low as

    Thereafter
    as low as
    2.99%^ APR1 7.49%^ APR1

    Apply Online

  • Epic Rewards Credit Card

    Whether you’re booking a dream vacation or paying at the pump, the Epic Rewards Credit Card pays you back every time you shop. It’s convenient, secure, and offers rewards on all qualified purchases on top of other great benefits, like an introductory 2.99%^ APR1 for the first 12 months, and low rates.

    • Up to 5% back on qualified purchases+
    • A perfect credit card to pair with your Epic Premium Checking Account!
    • Easy cash advances and low rates.
    • Pay your credit card balances in any branch, online through CBC Online Access, or by mail.
    Earn 12-Month Intro Rate
    as low as
    Thereafter
    as low as

    5% back on Gas & Travel*
    3% back on Groceries*
    1% back on Everything Else**

    2.99%^ APR1 12.49%^ APR1

    Apply Online

    Learn more

    *On qualified purchases up to $6,000 annually
    **Unlimited back on qualified purchases.
    +See Rewards Program Guide for program details

CBC VISA® Cardholder Benefits

  • Auto Rental CDW - Visa® Auto Rental Collision Damage Waiver benefit ("Auto Rental CDW") provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles.
  • Personal ID Theft - The Personal Identity Theft benefit offers reimbursement for covered expenses you incur to restore your identity, up to a maximum of $5,000, as a result of a Covered Stolen Identity Event.
  • Security and support designed to keep your transactions and personal information safe. Learn more.
  • Falcon Fraud Detection System - This service provides you with additional VISA® Credit protection against fraud and theft. With the Falcon Fraud system, you receive continual monitoring of your card activity to help identify and prevent fraudulent transactions on your account. To report fraud or a lost or stolen card after hours call 800-234-5354.
  • EMV Chip Technology – EMV technology adds a layer of security to your card that makes it virtually impossible for fraudsters to duplicate.
  • Credit Card Disclosure

VISA Credit Card Application and Solicitation Disclosure

1 APR = Annual Percentage Rate. 

Annual Percentage Rate (APR) for Purchases

Visa Platinum
2.99% to 2.99% Introductory APR for 12 months from issuance of the card, based on your creditworthiness.

After that, your APR will be 7.49% to 16.49%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

EPIC Rewards Platinum Visa
2.99% to 2.99% Introductory APR for 12 months from issuance of the card, based on your creditworthiness.

After that, your APR will be 12.49% to 16.49%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Visa Platinum
2.99% to 2.99% Introductory APR for 12 months from issuance of the card, based on your creditworthiness.

After that, your APR will be 7.49% to 16.49%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

EPIC Rewards Platinum Visa
2.99% to 2.99% Introductory APR for 12 months from issuance of the card, based on your creditworthiness.

After that, your APR will be 12.49% to 16.49%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Visa Platinum
13.25% to 16.50%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

EPIC Rewards Platinum Visa
13.25% to 16.50%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

Visa Platinum
18.00%

EPIC Rewards Platinum Visa
18.00%

This APR may be applied to your account if you:
- Make a late payment.

How Long Will the Penalty APR Apply?
If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees  
Annual Fee
- Annual Fee - Visa Platinum
- Annual Fee - EPIC Rewards Platinum Visa

NONE
$95.00*
Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

$5.00 or 3.00% of the amount of each balance transfer, whichever is greater
$5.00 or 3.00% of the amount of each cash advance, whichever is greater
3.00% of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 12 months following issuance of your card.

Loss of Introductory APR:
We may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are 60 days late in making a payment.

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Minimum Interest Charge:
Except as limited by applicable law, a minimum interest charge may be assessed to your account on amounts above $25.00

Effective Date:
The information about the costs of the card described in this application is accurate as of: 04/24/2020
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Fees & Disclosures:

Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you do not make the required minimum payment by the statement due date.

Annual Fee - EPIC Rewards Platinum Visa:
$95.00. However, this fee is waived if you have an EPIC Premium Rewards Checking account, you are covered borrower under the Military Lending Act and unless prohibited by law.

Balance Transfer Fee (Finance Charge):
$5.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge):
$5.00 or 3.00% of the amount of each cash advance, whichever is greater.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:
$25.00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:
$10.00

Emergency Card Replacement Fee:
Up to $165.00.

Rush Fee:
$35.00 second day.

Statement Copy Fee:
$5.00 per document.