Credit Cards

A VISA® credit card from California Bear Credit Union is a smart choice for everyday spending! We’ll help you say goodbye to high-interest credit card debt and hello to a lower balance.

Don’t be fooled by credit card or store card offers that seem too good to be true, because they probably are. A lot of other credit card providers will try to entice you with a 0% introductory rate, only to hike your rate sky-high a few months later or surprise you with unexpected fees. We wouldn’t want to be treated that way, so we don’t treat you that way either. California Bear Credit Union’s credit cards are honest, straightforward, and affordable.

Flex Balance Transfers

Every California Bear Credit Union credit card comes with Flex balance transfers, the fast and easy way to make balance transfers to your credit card. No more waiting for transfer checks to arrive in the mail or filling out paperwork. Balance transfers will be available whenever you need from your phone or computer. With no balance transfer fees and your card’s low rate, there’s no reason to wait.

All of our credit cards offer:

  • No balance transfer fee

  • No annual fee

  • No foreign transaction fees

  • 25 day grace period on new purchases

  • Electronic balance transfers powered by Flex

Info Traditional Visa Platinum Visa Secured Visa
Best For People who tend to carry a balance each month. Low fixed rate: Members who are looking for a balance transfer option at a low, fixed rate. Helping members establish credit for the first time, or perhaps after some credit mishaps.
Rates as low as 10.99% APR 9.99% APR 16.99% APR
Cash Advances Free Free 3% of the advance with a $25 minimum
Foreign Transactions Fee None None None
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Platinum (Limit $15,000 - $25,000) APR
No Levels Apply - Credit Score 700+ 9.99%
Traditional (Limit: $500 - $14,999) APR
Level 1 - Credit Score 660+ 10.99%

Use our free financial calculators to see how long it will take you to pay off your credit card balance.

Make the move to a California Bear Credit Union VISA card today! Download an application, visit a branch, or call us at (800) 954-BEAR (2327). You must be a credit union member and have an open Savings Account with us to be eligible.

All loans subject to credit approval. Benefits subject to change at any time. The 7.99% APR is lowest available rate for Platinum cards only and for our most creditworthy members only. If borrower is not a California Bear Credit Union member, a share account with a min. $25 deposit required for membership, plus one-time $5 membership fee.