Credit Cards
Go Further With the Right Card
Enjoy great rates, more convenience, and flexible purchasing power anywhere Visa® is accepted.
Apply Now Check RatesCredit Cards
Go Further With the Right Card
Enjoy great rates, more convenience, and flexible purchasing power anywhere Visa® is accepted.
Apply Now Check Rates
Find the Right Card for Your Life
Visa® Credit Card
This low-interest option is great for everyday spending and making large purchases affordably.
- No annual fee
- Credit limit of up to $20,000
- Low minimum monthly payment requirements – just 2% of your outstanding balance
- 25-day grace period on purchases
- Real-time card management via Online Banking or the Mobile Banking App
- Cash advances and balance transfers available
Share Secured Visa®Credit Card
Build or repair your credit with a low-rate card secured by your South Bay Credit Union Share Savings account balance.
- No annual fee
- Credit limit is determined by your savings account balance
- Low minimum monthly payment requirements – just 2% of your outstanding balance
- 25-day grace period on purchases
- Real-time card management via Online Banking or the Mobile Banking App
- Cash advances and balance transfers available
- Responsible use may qualify you for an unsecured card with a higher credit limit in the future
Which features do you want?
We recommend our Visa® Credit Card.
We recommend our Share Secured Visa® Credit Card.
Customize Your Card
Personalize your South Bay Credit Union Visa® credit card and choose your favorite design from one of five custom options. It’s fast and easy!
More Perks for Your Life
No matter which South Bay Credit Union Visa® credit card you choose, you can enjoy easy access to hotel accommodations, transportation, entertainment, and cash when you need it, plus:
Free payment reminder text alerts through e-Notices
Free payment reminder text alerts through e-Notices
24/7 real-time account access to securely view your account history or eStatements, make payments, or transfer balances using Online Banking or our Mobile Banking App
24/7 real-time account access to securely view your account history or eStatements, make payments, or transfer balances using Online Banking or our Mobile Banking App
Tap to Pay With Your Mobile Wallet
Add your South Bay Credit Union Visa® credit card to your phone’s mobile wallet and quickly make secure, contactless purchases from the convenience of your phone while you’re out and about – no cash or card needed. Mobile wallets are:
Available for Apple Pay®, Google Pay™, and Samsung Pay®
Available for Apple Pay®, Google Pay™, and Samsung Pay®
More secure than paying with cash or a card that can be lost or stolen
More secure than paying with cash or a card that can be lost or stolen
Accepted at millions of local, national, and online retailers
Accepted at millions of local, national, and online retailers
A faster and more convenient way to checkout in stores – just tap to pay and get on your way!
A faster and more convenient way to checkout in stores – just tap to pay and get on your way!
Registration required. Terms & conditions apply. Please check with your carrier provider.
Apple Pay® is a registered trademark of Apple Inc. Google Pay™ is a trademark of Google LLC. Samsung Pay® is a trademark of Samsung Electronics Co., Ltd.
Save Big With a Balance Transfer
Take advantage of our great low rates and transfer your high-interest debt to your South Bay Credit Union Visa® credit card. You could potentially lower your monthly payment and save hundreds on interest!
Take the Next Step
Get started with our quick, secure online application, or apply in person at your local branch.
South Bay Credit Union Works for YOU
Checking Accounts
Take Charge of Your Money
Manage everyday spending and earn interest on deposits.
Credit Score
Stay in the Know
Easily check your current credit score for free.
Financial Education
Boost Your Financial Fitness
Access free financial wellness resources in English and Spanish.
