Personal Credit Cards

Build credit with a great card

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What if your credit card worked hard to help you thrive? At Clearwater Credit Union, it does. Use your Visa to shop local, online, or on the road, protect your security, travel smart, and build credit.

Visa credit cards

  • No annual fee
  • No fee for balance transfers
  • Low international fee (1%)
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interest as low as

Protect your security

Your Visa credit card comes equipped with EMV Chip Card Security, the first EMV chip-enabled card made locally available in Missoula. Whether your business travels take you to Florence, Montana, or Florence, Italy, you can rest assured that your card has this advanced security feature to protect it.

Security and control for cardholders

Introducing real-time control over your Clearwater Credit Union debit and credit cards through your smartphone or tablet.

CardNav adds another level of security to your cards by letting you decide how and when they can be used, and alerting you when any types of transactions you specify take place. You can even use CardNav to:

  • Control where, when, and how your cards are used
  • Turn cards on and off instantly from your mobile device
  • Limit spending amounts to reach budget goals
  • Restrict types of purchases made

Download the CardNav app, and gain a new level of security and control over your money today.

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For Android

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For Apple

Working on building credit? Get a share-secured Visa

Secure your Visa credit card with your savings account, and get the convenience of a credit card with no annual fee. It’s a great way to build credit and avoid dipping into your savings.

Apply to build your credit

Visa Rates

Visa Credit Card1
Visa Credit Card1

Minimum APR2

Maximum APR2

1 All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions.
2 APR = Annual Percentage Rate.

The rates and terms shown are effective as of November 26, 2018.

Minimum APR2


Maximum APR2


See all rates

Traveling? Let us know

To protect your account, we keep your Visa card blocked in many countries by default. If you’re making a trip outside the U.S., use the form below to let us know where and when you’re traveling, and we’ll make sure you have access to your funds wherever the journey takes you.

Travel Notification Form

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If your card is lost or your card data compromised, we’ll do our best to protect you. Please notify us right away at 888-241-2510.

Here’s an ATM lookup where you can locate a surcharge-free ATM near you. There are almost 30,000 ATMs across the U.S. where you can use your Clearwater Credit Union card free of charge. That’s more than you’d get with a traditional bank!

Visit our Personal Checking page for details.

View Disclosures

* APR = Annual Percentage Rate.