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Your Clearwater Visa Credit Card is Your All-in-One Tool

The fast, easy and convenient way to pay for goods and services online, in-store, or using your mobile wallet.

Personal Credit Card 2025

One Credit Card, Endless Possibilities

From coffee runs to cross-country trips, your Clearwater Visa Credit Card is small enough to carry, yet big enough to do it all.

Shop Online

Shop online safely with your Clearwater Visa Credit Card. Just store your card info on your favorite, trusted websites and in your digital wallet.

Tap to Pay

Your Clearwater Visa Credit Card is contactless, meaning you can tap to pay at over 150 million locations worldwide.

Explore Contactless

Get Cash

Clearwater is part of the CO-OP Network of ATMs, empowering you to withdraw cash surcharge free at over 30,000 ATMs nationwide.

Find Surcharge Free ATMs

Help Your Community

Every purchase you make using your Clearwater Visa Credit Card empowers us to support your community through philanthropy, education, and engagement.

Visa Credit Card Benefits

Your Clearwater Visa Credit Card comes with these value-added benefits. 

Roadside Dispatch

Your Clearwater Visa Credit Card comes with access to emergency roadside assistance services, including towing, fuel delivery, and more, coordinated by a 24/7 on-demand referral dispatch network.

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Sofar Sounds

Your Clearwater Visa Credit Card offers you the opportunity to take a break and enjoy some tunes by offering you access to advanced purchase and discount ticket opportunities on live music experiences across the country. Just use your Clearwater card to:

  • Get access to pre-sale ticket purchases before they’re available to the public.
  • Receive a free ticket with the purchase of one or more tickets.
  • Get access to curated, live music shows in select cities.
  • Attend free virtual performances in the Sofar Sounds Listening Room.

Explore Sofar Sounds

hands holding new Clearwater Credit Union Debit Card designs

Showcasing Montana's Beauty

We re-designed all Clearwater debit and credit cards to reflect Montana’s majestic scenery through the lens of Missoula-based photographer, Laura Verhaeghe.

Wherever you go, your Clearwater Visa Credit Card means you’ll always have a piece of Montana in your pocket.

Cutting-Edge Protection for Your Card Transactions

Zero Liability Policy

You’re not responsible for certain unauthorized transactions if your Visa Card is lost, stolen, or used fraudulently and you report it timely.

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Data Encryption

Visa’s smart data encryption tools help keep your Clearwater Visa Credit Card safe.

Visa Advanced AI

We protect your transactions using cloud-based fraud risk models that analyze over 500 data points.

Card Controls

We continuously monitor your Clearwater Visa Credit Card for suspicious activity. Plus, Card Controls help you control how your card is used. 

FAQs

How do I activate my Clearwater Visa Credit Card?

You can activate your card online by logging into Clearwater Digital Branch or by calling 800-466-0040.

Does Clearwater offer card controls?

Yes! Just log in to Clearwater Digital Branch from your PC, tablet, or mobile device and choose Manage Cards. With our Card Control service, you can set transaction alerts, turn your card on and off, and set your custom PIN.

How do I dispute a transaction?

Please log in to Clearwater Digital Branch to dispute an unrecognized transaction. Just tap the transaction and then Dispute.

What is a contactless card?

Contactless cards have a built-in chip allowing you to make purchases securely tapping or holding the card near a compatible card reader, instead of physically swiping or inserting it.