NCCYou Credit Cards

Credit card options to fit your life.

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NCCYou member with credit card

Smarter, Member-Focused Solutions

At NCCYou, we believe your credit card should work for you-not the other way around. That’s why our credit card options are designed with your needs in mind, offering competitive rates, fewer fees, and personalized service you can count on.

Check out our Perks...

Our credit cards offer many perks that can save you money and make managing your finances easier. Lower interest rates, fewer fees, and better customer service mean you keep more of your hard-earned money.

Lower Rates, Fewer Fees

Experience the benefits of lower interest rates without the burden of annual, over-limit, or cash advance fees. This means more savings in your pocket every month, allowing you to enjoy financial freedom like never before!

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Flexible Approval

We work with members from all financial backgrounds, including those building or rebuilding credit. Our team is here to help you find the right card for your goals and guide you toward financial success.

Security and Fraud Protection

CardNav adds another level of security to your cards by letting you decide how and when they can be used and alerting you when types of transactions are taking place.

Mobile and Online Control

Easily monitor your spending and make payments with ease. You can also use card controls to set alerts, set transaction limits, and freeze or unfreeze your card whenever you need.

Shop and Earn

Explore exclusive offers from local and national dining and retail merchants, earn points while booking travel, and score discounts on your favorite brands and much more!

Personalized Member Service

As a member-owned credit union, our profits go back to you in the form of better rates, improved benefits, and friendly, local service you won’t find at big banks.

VISA Credit Card Options

Whether you’re looking for a low-rate card to consolidate debt, a rewards card to earn points on spending, or a secured card to build credit, we have options tailored to your needs. Our selection includes:

*APR=annual percentage rate.  Which rate you receive will depend on credit application and results. Apply today!

Becoming a Cardholder is Easy

Apply online or at your local branch. Get a decision quickly-often the same day.
Have a question? Drop us a comment below.

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NCCYou credit card rewards

Your Everyday Purchases have Never Been More Rewarding!

Take advantage of our straightforward program that rewards you with points every time you use your credit card. Whether you’re buying groceries, fueling up, or paying utility bills, your everyday purchases will pay off significantly. Start maximizing your rewards today!

If you need help logging in or redeeming your points, please call Rewards Customer Service at 1-866-618-0981

Tools and Resources

How to get started with credit

How to Get Started with Credit

Learn how those without a credit history can start to build a solid credit score.

Credit versus Debit Cards

Credit versus Debit Cards

Credit and debit cards each have pros and cons. When should you use each?

Credit Reports and scores

Credit Scores

Credit reports and scores determine the rates you pay when borrowing and can affect your ability to get certain jobs.

Credit Card Minimum Payment Calculator

Credit Card Repayment Calculator

Important Numbers for Cardholders

If your VISA Credit Card is lost or stolen:
Calling from within the US: 888-241-2510
Calling from outside the US: 909-941-1398
Do we want to add our number for during business hours? What about our text number?

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