Man shopping online with credit card | Vibrant Credit Union

Save on interest with rates as low as 9.90% APR*

Get credit for your good credit. The Vibrant Mastercard gives you financial flexibility whenever you need it.
Woman shopping on her cell phone | Vibrant Credit Union

Get the Vibrant Credit Mastercard

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

Plus, you'll get an instant 20% discount on all food and drink orders at Vibrant Coffeehouse and Kitchen when you pay with your Vibrant Mastercard.

Rates as low as 9.900%

*APR= "Annual Percentage Rate." Vibrant Credit Mastercard: 9.90%- 18.00% APR when you open your account, based on creditworthiness. $5 Membership required.

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.


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. Find out more!

How do I unsubscribe from Mastercard communications?

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