Visa Credit Cards

Exclusive offer for NEW Passport & Cash Back Visa Platinum cardholders. Choose either:

An introductory rate of 0% APR* on balance transfers for 12 months¹
OR an introductory rate of 2.99% APR* on purchases for the first 6 months²

Are you looking for a new credit card? At CommonWealth, we have a credit card that fits your lifestyle, whether you're looking for instant discounts, cash rewards, or just trying to build your credit. This is why we offer THREE personal Visa Platinum credit cards. The options include a Passport Visa Platinum, Cash Back Visa Platinum, and a Visa Platinum Secured. With our easy online credit card application, you can apply for a credit card in the convenience of your own home.

Passport Visa Platinum

Best For: Those who have a low purchase volume but still want to reap discounts.

Exclusive offer for NEW Passport Visa Platinum cardholders. You can choose from on of the following offers:

  • An introductory rate of 0% APR* on balance transfers for 12 months¹
  • Or an introductory rate of 2.99% APR* on purchases for the first 6 months²

Learn More


Cash Back Platinum Visa

Best For: Those who have a large amount of purchases each month.

Exclusive offer for NEW Cash Back Visa Platinum cardholders. You can choose from on of the following offers:

  • An introductory rate of 0% APR* on balance transfers for 12 months¹
  • Or an introductory rate of 2.99% APR* on purchases for the first 6 months²

Learn More


Visa Platinum Secured

Best For: Those who are just getting started or trying to get back on track.

Learn More


Business Visa Platinum Secured

Only For: Those who are self-employeed or business owners.

  • All Credit Card Features

    All of our CommonWealth Visa credit cards feature:

    • No annual fee
    • 24 Hour Report Lost or Stolen Card Services
    • Emergency Cash or Card Replacement
    • Auto Rental Collision Damage Waiver Program
    • Warranty Manager Service
    • Travel and Emergency Assistance
    • Worldwide Automatic Travel Accident and Baggage Delay Insurance
    • Personal Identity Theft Coverage
    • Visa Concierge Service
    • Generous credit limit from $500 to $25,000 ($500 to $2,500 Visa Platinum Secured)

    View our full benefits package

  • Credit Card Rates

    Effective November 1, 2020

     

    Credit Cards Promotional Intro Rate 
    (new cardholders only)
    APR for Purchases APR for Balances APR for Cash Advances Rate Type
    Passport Visa Platinum 0% APR* on balance transfers for 12 months1 or 2.99% APR* on purchases for 6 months2

    9.90% - 22.90%

    9.90% - 22.90%

    9.90% - 22.90%

    Variable

    Cash Back Visa Platinum 0% APR* on balance transfers for 12 monthsor 2.99% APR* on purchases for 6 months2 9.90% - 22.90% 9.90% - 22.90% 9.90% - 22.90% Variable
    Visa Secured  

    11.50%

    11.50%

    11.50%

    Variable

    Click here to see our full Credit Card Disclosures.

    *APR = Annual Percentage Rate
    1A 3% balance transfer fee will be charged immediately when balances are transferred to your CommonWealth credit card. All loans are subject to credit approval. Certain restrictions may apply. Cannot be combined with any other offer. Balance transfer(s) cannot be used for repayment of any CommonWealth credit card or other accounts owed to CommonWealth. Offer is subject to change without notice.
    2The introductory rate of 2.99% APR is for 6 months. The rate thereafter is based on credit worthiness factors and the APR will vary with the market based on prime rate. All loans are subject to credit approval. Certain restrictions may apply. Cannot be combined with any other offer and is subject to change without notice.

  • Credit Card FAQ

    Frequently Asked Questions

    1. How long does it take to get my credit card once I apply?
      It will take approximately 5-7 business days for processing
    2. Can I add my CommonWealth credit card to my digital wallets?
      Yes, you can add your CommonWealth credit card to Apple Pay, Google Pay, and Samsung Pay. To learn more, visit our Digital Wallet page.
    3. What transactions qualify for my Cash Back Visa?
      All purchases qualify for the 1% Cash Back rewards. Cash advances do not qualify for the rewards.
    4. When will I receive my cash back rewards?
      Rewards earned will be deposited into your Regular Shares account at the beginning of the following month.
    5. What happens to my rewards if my credit card is closed?
      If you remain a member, any rewards you have earned on your VISA Platinum will still go into your savings account.
    6. How do I report a lost or stolen card?
      To report a lost or stolen card, call 800-564-1588
    7. What are the participating restaurants and retail stores for the Passport Visa?
      To view the participating restaurants and stores register at Passport Lifestyle and/or download the Passport Mobile in the App Store.

    8. Where are the funds held for the Platinum Secured Visa?
      The funds are held in your Regular Shares account. 

*APR = Annual Percentage Rate
The introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. A 3% balance transfer fee will be charged immediately when balances are transferred to your CommonWealth credit card. All loans are subject to credit approval. Certain restrictions may apply. Cannot be combined with any other offer. Balance transfer(s) cannot be used for repayment of any CommonWealth credit card or other accounts owed to CommonWealth. Offer is subject to change without notice.
2The introductory rate of 2.99% APR is for 6 months. The rate thereafter is based on credit worthiness factors and the APR will vary with the market based on prime rate. All loans are subject to credit approval. Certain restrictions may apply. Cannot be combined with any other offer and is subject to change without notice.

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