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Meet the Credit Card
That Does It All.


Balance Transfer
Move your balance and get a better rate, you deserve it.

9.50 %

Low APR*
Giving you more financial freedom.


Annual Fees
Keep more of your money in your wallet.

1 %

Cash Rewards
Get cash back every time you use your card.

Options Are Rewarding

Check out the Civic Rewards Credit Card. It’s the credit card that doesn’t make you choose! Get the best options for balance transfers and rewards for every time you spend. This card gives you the tools to handle whatever life throws at you.


Already a Civic member?   Start here

Terms and Conditions


Providing helpful products and services is what we do. The Civic Rewards Credit Card is designed to put you in control of your finances. So, we’ve removed the fees to make sure more of your money stays in your pocket.

No annual fees
No balance transfer fees
No cash advance fees
No application fees


Transfer that Balance

Already have a credit card? Maybe it could use an update. You could even consolidate other small personal loans. The Civic Rewards Credit Card is great for balance transfers and other debt consolidation. That’s right – you can use this credit card to transfer multiple types of debt. For any balance you move to your new card, you’ll pay no balance transfer fee.


lady smiling at card
civic rewards


Simple Anytime Rewards

There are so many places you’ll use your Civic Rewards Card, and we’ll reward you at all of them! Anytime you use your card, you earn rewards. What kind of rewards? CASH! We’re offering 1% cashback on all your purchases. And, when you want to claim your cash rewards, you can redeem any amount anytime by logging into your Civic account.


Civic Rewards Credit Card Details


* Subject to approval. Rates and credit limit are evaluated based on member’s credit history; rates are subject to change. Credit card may be secured with Civic Savings Account funds.

† Additional fees may apply. Interest on balance transfers and cash advances will begin to accrue on day the transaction occurs.

Civic Beats The Competition

Rates as low as 9.50%
1% cash back on purchases 
Complete debt consolidation option
Redeem rewards in any amount anytime
No annual fees
No cash advance fees
No balance transfer fees
No application fees


Already a Civic member?  Start here

Here's a few frequently asked questions:

How long does it take to get approved? + -
We work fast. The online application will take less than five minutes. You will have an answer within one business day.
What if my credit score is low? + -
You can still apply. Our team will look for ways we can help you.
What if I have never had a credit card? + -
Go ahead and apply. We may ask for a co-signer if needed.
What are my credit limit options? + -
Consider how you will use your card. If you want to perform balance transfers, replace another card or make large purchases, ensure the credit limit you request covers these amounts. And, don’t worry if you qualify for more; we'll let you know.
Do I have to be a member of Civic to apply? + -
Yes. Your membership will be established during the account opening process.
How do balance transfers work? + -
Once you get the card, you can request the transfer through the Civic mobile app or our website.
Are there really no fees? + -
While we waive a lot of fees, there is still a late payment fee.
Are there limits to the rewards I can earn? + -
This card provides unlimited rewards, which you can redeem anytime and in any amount. For full details, check out the terms and conditions.
Where do I receive my rewards? + -
You can apply your rewards to either Civic deposit account (checking or savings).
How do I get started? + -
Click apply, and you’re on your way!

Civic Rewards Credit Card Details

* Subject to approval. Rates and credit limit are evaluated based on member’s credit history; rates are subject to change. Credit card may be secured with Civic Savings Account funds.

† Civic Rewards Credit Card accounts eligible for this program earn 1% for each dollar spent in qualifying new purchases, net of returns (“Cash Back Rewards”).