Credit Cards

Cards for every stage and every day.

The Cal Coast Credit Card Collection 

Member safety, protection and value-adds are the core of the Cal Coast credit card collection. Our cards are made to get you exactly where you want to go. All cards come with expanded security protections and bonus benefits. Explore our credit card options and features below.

Bonus Benefits:  
  • ID Theft Protection1
  • Zero Liability Protection2
  • Travel accident insurance and MasterRental® Coverage3,4
  • Price Protection and Extended Warranty benefits2,3


View Rates

Comparing Credit Cards

Best for Saving on interest and paying down debt Earning rewards, borrowers who tend to pay off their balances monthly College students Building and repairing credit
Intro APR5 2.88% 1.98% None None
APR6 13.38%- 17.38% 14.38% - 18.00% As low as 13.99% As low as 15.99%
Annual Fee None None None None
Cash Advance Fee 3% of Advance ($5 Minimum and No Maximum) 3% of Advance ($5 Minimum and No Maximum) 3% of Advance ($5 Minimum and No Maximum) 3% of Advance ($5 Minimum and No Maximum)
Rewards Points No Yes No No
Exclusive Member Offer

Get 5% Cash Back!

Shop around town with your Cal Coast Mastercard® Debit or Credit Card and earn 5% cash back automatically at participating local businesses.8 Simply look for the Mastercard Local™ logo when you shop, and enjoy the cash back.

Supporting your local businesses helps build your community.

Cal Coast Cards

New Contactless Cards

Cal Coast has new contactless credit and debit cards. Contactless cards have a chip that uses a near field communication (NFC) antenna to enable close-range payments. Your payment is processed when you tap your contactless card near the contactless symbol. 

Mastercard is a registered trademark, and the circles design and Mastercard Local are trademark of Mastercard International Incorporated.

  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 or (800) 622-7747 for assistance.
  2. Certain restrictions apply. You must notify California Coast immediately of any unauthorized use. Please see for more 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 you’re traveling 50 miles or more from home. 
  5. APR = Annual Percentage Rate and is based on credit worthiness. Available for new accounts only. Introductory rate on balance transfers valid from 365 days from account opening. 2.88% or 1.98% promotional offer cannot be used to pay off any CCCU 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 and Platinum Student Credit Cards. Click here for important rates and terms.
  6. APR = Annual Percentage Rate and is based on credit worthiness. 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. This is a special offer and exclusive to only eligible California Coast Mastercard debit and/or credit cards.  Eligible cards are automatically enrolled in the Program.  To opt-out of participating in the MasterCard Shop Local Program click here, call (877) 495-1600, or visit a Cal Coast Branch location. Program may be discontinued and subject to change at any time without notice. The offer can be used across a variety of participating merchants or repeatedly at your favorite participating merchants.  Purchases made online or through third parties and apps including, but not limited to food delivery apps, services, and platforms will not qualify for the offer. Simply use your enrolled California Coast Mastercard debit or credit card at participating merchants to automatically receive a statement credit on eligible purchases. No coupon necessary. The reward will be credited to your California Coast Mastercard used to make the qualifying purchase within 60 days from eligible purchase. Your account must be open and in good standing at the time reward is credited. Terms and conditions apply. Click here for full details.

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