Credit Cards
CREDIT CARDS
Two cards, no annual fee.
Whether you're paying down debt, earning rewards, or building credit there’s a Cal Coast Mastercard® for every goal.
Find the right card for you
| Platinum | Choice Rewards | |
|---|---|---|
| Best for | Paying down debt | Earning rewards, paying in full monthly |
| Intro APR5 | 2.88% (balance transfer) | 1.98% (purchases) |
| Ongoing APR6 | 11.88%–15.88% | 12.88%–16.88% |
| Annual fee | $0 | $0 |
| Rewards points | No | Yes |
Built-in protection
Peace of mind
- ID Theft Protection1
- Zero Liability Protection on unauthorized charges2
- Contactless, tap-to-pay enabled
Travel coverage
- Travel Accident Insurance3
- MasterRental® coverage on eligible rentals4
- Covers you 50+ miles from home, within the U.S.
Purchase protection
- Price protection on eligible items
- Extended warranty coverage
- No annual fee on any Cal Coast card
Apply in about 10 minutes.
$0 annual fee on either card. Skip the paperwork—apply from your phone.
| Platinum MasterCard® | Choice Rewards MasterCard® |
Apply in about 10 minutes.
$0 annual fee on either card. Skip the paperwork—apply from your phone.
220K+
members served
Since 1929
founded in Southern California
NCUA
federally insured
30,000
fee-free ATMS
|
200K+ members served |
Since 1929 founded in Southern California |
NCUA federally insured |
30,000 fee-free ATMs |
More on credit cards
Start building your credit with limits as low as $300.
See how points and redemptions work.
Move a high-rate balance to a lower one.
1. Certain terms, conditions, and exclusions apply. Contact California Coast at (877) 495-1600 for complete coverage terms and conditions, or call (800) MC-ASSIST / (800) 622-7747 for assistance.
2. Certain restrictions apply. You must notify California Coast immediately of any unauthorized use. See www.mastercard.us/zero-liability.html for details.
3. For eligible items purchased with your California Coast Platinum Mastercard.
4. 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 traveling 50 miles or more from home.
5. APR = Annual Percentage Rate, based on creditworthiness. Available for new accounts only. Introductory rate on balance transfers valid for 365 days from account opening. The 2.88% or 1.98% promotional offer cannot be used to pay off any Cal Coast 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, or Platinum Student credit cards. See calcoastcu.org/credit-card-rates for current rates and terms.
6. APR = Annual Percentage Rate, based on creditworthiness. 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.
7. APR = Annual Percentage Rate. All loans subject to approval. All information is accurate as of 10/16/2026 and is subject to change without notice. For current rates and terms, please contact California Coast Credit Union at (877) 495-1600. 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.
8. APR = Annual Percentage Rate. Rates are current as of 10/16/2026. 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.
