At Christian Financial Credit Union, our credit cards are designed to give you flexibility, perks, and peace of mind. Here’s how to make the most of them, without letting debt sneak up on you.

What We Offer: Simplicity, Perks & Flexibility

• Low-rate and credit-building options – CFCU’s Visa® Platinum card offers one of our lowest APRs (starting at 8.90% APR*) and doesn’t carry an annual fee, which is a friendly option if you’re new to credit or rebuilding.
• Cash back and rewards for regular spending – If you want more benefits, the Visa® Signature card provides 1.00% cash back on all purchases plus occasional bonus cash-back offers.
• Installment-style financing – Through the MyWay Installment Payments** option, you can buy what you need and pay it off over time with a flat rate and no hidden fees, which can help avoid the high-interest costs of “buy now, pay later” services.
• Convenient digital tools – With our Card Management feature, you can turn your card on or off, set spending limits, enable travel notices, and even lock the card if it’s lost or stolen. Alerts and real-time notifications help you stay on top of your account.

Great for First-Time Credit Card Holders

Additionally, if you’re opening your very first credit card, CFCU has you covered. Our cards offer:

• Low interest rates that make learning to manage credit less stressful.
• No annual fees so you can focus on building credit, not paying extra.
• Simple approval processes for members looking to start their credit journey responsibly.

Starting with a CFCU credit card can help you establish credit safely while giving you access to perks and convenient payment tools.

How to Use a Credit Card Responsibly

Owning a credit card isn’t the same as using it well. Here are a few habits that help protect your credit and avoid unexpected costs:

• Pay your balance in full (or as much as you can) every month – If you don’t pay off your balance, credit-card interest rates can add up fast.
• Use budgeting tools to prevent overspending – Treat the card like a payment tool, not “free money.” Especially if you use features like installment payments or balance transfers, it’s easy to lose track of what you owe.
• Leverage alerts and security tools – Use our digital tools to monitor activity, lock cards if you suspect fraud, set spending limits, and declare travel when needed.
• Choose the right card for your lifestyle – If you’re building credit or want to keep things simple, the low-rate Platinum card may be best. If you use your card frequently and want perks, the Signature card with cash back might pay off.

When Credit Cards Make Sense & How We Support Members

Credit cards are great for everyday expenses, emergencies, or planned purchases, especially when you pay them off monthly. They’re less helpful (and more risky) when used to cover ongoing living expenses, impulse buys, or if you can’t pay the full balance. Avoid relying on cash advances or continuously carrying a balance to “carry” spending over time. Interest and fees tend to add up quickly, and that can erode any benefit the card gives you.

At Christian Financial, we’re not just giving you a plastic card, we’re offering tools to help you manage it responsibly. From flexible payment options to free digital tools to help you keep tabs on spending – our goal is to help members build credit, earn perks, and avoid surprises.

If you’re new to credit cards, or you just want a refresher, our Learning Center resources are great places to start. Need help? You can start a chat through our website at any time.

*APR = Annual Percentage Rate. Rates based on credit history and subject to change without notice. Rates shown are lowest available. In order to be eligible for Over Limit Coverage, you must opt-in. **Applies to purchases only, not cash advances. New Signature card offers apply to brand new accounts only. Upgrades from a Platinum card are not eligible for new card offers.
View our full Visa Terms and Conditions.
View the full Visa Solicitation of Rates. 
View Rates and Fees Information.

**Your ability to create each new installment plan will depend on an assessment of eligibility made at the time you seek to create an installment plan. In order to create a new installment plan, your account must be in good standing and you must have a minimum $300 purchase or statement balance on your eligible card. We may also limit or otherwise restrict your ability to participate in the installment program based on your account’s available credit or for any other reason. APR = Annual Percentage Rate. Rates are subject to change. Rate shown is the lowest available, and will be based on purchase amount and term, which is disclosed during plan creation. Please contact us for full details.

Full Terms & Conditions for MyWay Installment Payments