Credit Cards
Cards for every stage and every day.
The Cal Coast Credit Card Collection
Member safety, protection and value-adds are the core of the Cal Coast credit card collection. Our cards are made to get you exactly where you want to go. All cards come with expanded security protections and bonus benefits. Explore our credit card options and features below.
Bonus Benefits:
Choose your card and enjoy no annual fee.
Choice Rewards Mastercard®
- Earn rewards and enjoy travel perks
- 1.98% APR intro rate7(After 1 year, rate adjusts to 12.88% - 16.88% APR)
Platinum Mastercard®
- Save on interest while paying down debt
- 0% balance transfer fees
- 2.88% APR intro rate8 (After 1 year, rate adjusts to 11.88% - 15.88% APR)
Comparing Credit Cards
| PLATINUM | REWARDS | STUDENT | SECURED | |
|---|---|---|---|---|
| Best for | Saving on interest and paying down debt | Earning rewards, borrowers who tend to pay off their balances monthly | College students | Building and repairing credit |
| Intro APR5 | 2.88% | 1.98% | None | None |
| APR6 | 11.88% - 15.88% | 12.88% - 16.88% | As low as 13.99% | As low as 15.99% |
| Annual Fee | None | None | None | None |
| Cash Advance Fee | 3% of Advance ($5 Minimum and No Maximum) | 3% of Advance ($5 Minimum and No Maximum) | 3% of Advance ($5 Minimum and No Maximum) | 3% of Advance ($5 Minimum and No Maximum) |
| Rewards Points | No | Yes | No | No |
New Contactless Cards
Cal Coast has new contactless credit and debit cards. Contactless cards have a chip that uses a near field communication (NFC) antenna to enable close-range payments. Your payment is processed when you tap your contactless card near the contactless symbol.
Mastercard is a registered trademark, and the circles design are trademark of Mastercard International Incorporated.
- Certain terms, conditions, and exclusions apply. Contact California Coast at (877) 495-1600 for complete coverage terms and conditions or call (800)-MC-ASSIST or (800) 622-7747 for assistance.
- Certain restrictions apply. You must notify California Coast immediately of any unauthorized use. Please see www.mastercard.us/zero-liability.html for more details.
- For eligible items purchased with your California Coast Platinum Mastercard.
- Available only when traveling in the 50 United States and the District of Columbia. Benefits are designed to assist you or your travel companions when you’re traveling 50 miles or more from home.
- APR = Annual Percentage Rate and is based on credit worthiness. Available for new accounts only. Introductory rate on balance transfers valid from 365 days from account opening. 2.88% or 1.98% promotional offer cannot be used to pay off any CCCU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Introductory rate on balance transfers does not apply to Platinum Choice Rewards, Platinum Secured and Platinum Student Credit Cards. Click here for important rates and terms.
- APR = Annual Percentage Rate and is based on credit worthiness. Membership and credit subject to approval. Serving everyone who lives or works in San Diego, Riverside, Imperial, Orange, Los Angeles, Ventura, and San Bernardino counties. A one-time $5 membership fee and savings account required. Restrictions apply.
- APR = Annual Percentage Rate. Rates are current as of 11/12/2025. Loan subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness. Membership and credit subject to approval. Serving everyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. A one-time $5 membership fee and savings account required. Restrictions apply. Introductory rate valid for the first 365 days from account opening. See terms and conditions for details.
- APR = Annual Percentage Rate. All loans subject to approval. All information is accurate as of 11/12/25 and is subject to change without notice. For current rates and terms, please contact California Coast Credit Union at (877) 495-1600. All loans subject to approval. Mastercard is a registered trademark of Mastercard International Incorporated. Introductory rate valid 365 days after card is opened. 2.88% promotional offer does not apply to purchases and cannot be used to pay off any CCCU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Offer valid on new Platinum Mastercard accounts only. Introductory rate does not apply to Platinum Choice Rewards, Platinum Secured and Platinum Student Credit Cards. Certain restrictions apply. Applicants under the age of 21 must provide proof of income. See terms and conditions for details.
Contact Us
Have questions? Want more information? We’re more than happy to get in touch. Let’s Talk. Just complete the form.
Serving anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties.