Credit Cards

CREDIT CARDS

Two cards, no annual fee.

Whether you're paying down debt, earning rewards, or building credit there’s a Cal Coast Mastercard® for every goal. 

Platinum Mastercard®

  • Save on interest while paying down debt
  • 0% balance transfer fees
  • 2.88% APR intro rate8 (After 1 year, rate adjusts to 11.63% - 15.63% APR)

Choice Rewards Mastercard®

  • Earn rewards and enjoy travel perks
  • 1.98% APR intro rate7 (After 1 year, rate adjusts to 12.63% - 16.63% APR)

Find the right card for you

Platinum Choice Rewards
Best for Paying down debt Earning rewards, paying in full monthly
Intro APR 2.88% (balance transfer) 1.98% (purchases)
Ongoing APR 11.63%–15.63% 12.63%–16.63%
Annual fee $0 $0
Rewards points No Yes

Built-in protection

Security, standard

  • ID theft protection
  • Zero liability protection on unauthorized charges
  • Contactless, tap-to-pay enabled

Travel coverage

  • Travel accident insurance
  • MasterRental® coverage on eligible rentals
  • Covers you 50+ miles from home, within the U.S.

Purchase protection

  • Price protection on eligible items
  • Extended warranty coverage
  • No annual fee on any Cal Coast card

Apply in about 10 minutes.

$0 annual fee on either card. Skip the paperwork—apply from your phone.

 

Platinum MasterCard® Choice Rewards MasterCard®

200K+

members served

Since 1929

founded in Southern California

NCUA

federally insured

30,000

fee-free ATMs

More on credit cards

 

Student Credit Card →

Start building your credit with limits as low as $300.


Credit Card Rewards →

See how points and redemptions work.


Balance Transfers →

Move a high-rate balance to a lower one.

1. Certain terms, conditions, and exclusions apply. Contact California Coast at (877) 495-1600 for complete coverage terms and conditions, or call (800) MC-ASSIST / (800) 622-7747 for assistance.

2. Certain restrictions apply. You must notify California Coast immediately of any unauthorized use. See mastercard.us/zero-liability.html for details.

3. For eligible items purchased with your California Coast Platinum Mastercard.

4. Available only when traveling in the 50 United States and the District of Columbia. Benefits are designed to assist you or your travel companions when traveling 50 miles or more from home.

5. APR = Annual Percentage Rate, based on creditworthiness. Available for new accounts only. Introductory rate on balance transfers valid for 365 days from account opening. The 2.88% or 1.98% promotional offer cannot be used to pay off any Cal Coast loan or be made payable to cash, yourself, any joint owner(s), or co-maker(s). Introductory rate on balance transfers does not apply to Platinum Choice Rewards, Platinum Secured, or Platinum Student credit cards. See calcoastcu.org/credit-card-rates for current rates and terms.

6. APR = Annual Percentage Rate, based on creditworthiness. Membership and credit subject to approval. Serving everyone who lives or works in San Diego, Riverside, Imperial, Orange, Los Angeles, Ventura, and San Bernardino counties. A one-time $5 membership fee and savings account required. Restrictions apply.

7. APR accurate as of [date]. Loan subject to approval; rates, terms, and conditions subject to change and may vary based on creditworthiness. Introductory rate valid for the first 365 days from account opening, new accounts only. Membership and credit subject to approval; a one-time $5 membership fee and savings account required. Restrictions apply.

8. APR subject to change without notice; contact Cal Coast at (877) 495-1600 for current rates and terms. Introductory rate valid 365 days from account opening; the 2.88% promotional offer does not apply to purchases and cannot be used to pay off any Cal Coast loan or be made payable to cash, yourself, any joint owner(s), or co-maker(s). Offer valid on new Platinum Mastercard accounts only; does not apply to Platinum Choice Rewards, Platinum Secured, or Platinum Student cards. Applicants under 21 must provide proof of income. Mastercard is a registered trademark of Mastercard International Incorporated. Federally insured by NCUA.