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Save money if you carry a balance. Earn rewards if you don’t.
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Which card is right for you?

Credit Mastercard

Advantages

  • Pay less interest when you need to carry a balance
  • No annual fee
  • No cash advance fees, no balance transfer fees

Advantages

  • Pay less interest when you need to carry a balance
  • No annual fee
  • No cash advance fees, no balance transfer fees

Current rate of 9.90% APR

Apply now
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Credit Rewards Mastercard

Advantages

  • Earn 3% cash back on every purchase for first six months
  • Earn 1.5% cash back on all future purchases
  • No annual fee for the first year ($50 a year after that) 
  • No cash advance fees, no balance transfer fees

Advantages

  • Earn 3% cash back on every purchase for first six months
  • Earn 1.5% cash back on all future purchases
  • No annual fee for the first year ($50 a year after that) 
  • No cash advance fees, no balance transfer fees

Current rate of 18.00% APR

Apply now

What to expect

Set aside 5-10 minutes to complete the online application.

We’ll review your application and your credit report to determine your interest rate and credit limit.

We’ll contact you to let you know if your application has been approved. If not, talk to us about other options that can help you improve your credit.

Once approved, expect your new card in the mail within 7–10 days.

FAQ

My credit isn’t that great. Can you help?

Contact us about a Share Secured Mastercard. It’s just like a regular credit card, but your savings account (or a certificate of deposit) serves as collateral. It’s a great way to establish or rebuild your credit history. A minimum savings or CD balance of $250 is required. You’ll be charged interest on any unpaid balance.

Can I transfer the balance of my higher interest credit cards to my Vibrant Mastercard?

Yes! There are no fees to transfer balances from other accounts (up to your credit limit), though you will be charged interest on those balances as soon as they are transferred.

Does Vibrant offer personal loans?

Yes, we offer unsecured fixed-rate loans for a variety of purposes, from debt consolidation to home improvements. The amount of the loan is dependent on several factors, including your credit history, debt-to-income ratio, membership history, and other considerations. 

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