Rewards Credit Card 3X Reward points on restaurants and travel
2X Reward points on gas and groceries
1X Reward points on everything else

Win with the $8,500 Credit Card Giveaway

We're celebrating our 85th Anniversary, and YOU COULD WIN $850!+ Be automatically entered to win when you make at least 5 purchases a month on your Arbor Financial credit card.


Don't have a credit card? Simply call 269.488.5945, visit any branch, or click below to get started today.

Win $850

Convenience Is In The Cards

Credit cards are an indispensable way of life for people. But finding the right one is key. Arbor Financial's Visa offerings are designed to help our members get the spending power they need with excellent rates.

With Visa’s Zero Liability Policy, cardholders can shop with peace of mind knowing that they won’t be held responsible for unauthorized transactions – whether online, in stores, or over a mobile device1. Read details regarding the policy here.

Compare Credit Cards

Transfer Your Balance & Save

Refresh your finances by transferring your high-rate balance to an Arbor Financial card and pay 2.99% APR for the first six months! Save some money, build your credit, and take advantage of our new Rewards program or our low rate Advantage card!

Start Your Balance Transfer

Digital Wallets in a Digital Era

Safe and secure purchases are made easy with digital wallets, which allow users to make transactions, store funds, and track payment history within the app.

View Digital Wallets

Take Control Over Your Credit Cards

Once you've found the credit card that works best for you, download the Arbor Financial Card Control app to set alerts and travel notifications while managing your credit cards in one convenient app.

Download the Arbor Financial Card Control App today!

Traveling With Your Debit or Credit Card?

We work hard to protect your accounts and your money. Before heading out on vacation, let us know you’ll be traveling to ensure uninterrupted use of your debit or credit cards. Out of state or international purchases may be flagged as potential fraud and blocked until your authorization can be confirmed. Set your travel alert using the Card Control app or email us with your travel dates. Safe travels!

REMINDER: Your remittance address is P.O. Box 37603 Philadelphia, PA 19101-0603.

Advantage Card
Rewards Credit Card Open account
Rates for purchases

6.00% APR* - 15.25% APR*

Balance Transfers**

2.99% APR* for 6 months

Points Program


Advanced Security

Card information is printed on the back of the card, and chip technology adds another level of encryption when you make purchases.

How to Earn More

Sign up for eStatements and earn a $5 credit.

Business Rewards Card
Rewards Credit Card Open account
Rates for purchases

Competitive Variable Rate

Balance Transfers**


Points Program

Use your CURewards points to get cash back, gift cards, merchandise and travel rewards when you make everyday purchases.

3X Points on Restaurants and Travel
2X Points on Groceries and Gas
1X Points on Everything Else

Advanced Security

Card information is printed on the back of the card, and chip technology adds another level of encryption when you make purchases.

How to Earn More

Earn 2,500 points for activation
Earn 500 points when you sign up for eStatements.


Get card assistance when you need it

If your credit card is lost or stolen, call 269.375.6702 or 800.442.7340 immediately. If you have other non-emergency questions after hours or on holidays, please call 866.591.2802.
If you would like to set up a PIN for ATM withdrawals on your credit card, call 888-886-0083 to set your PIN. 

To access your credit card information online, please log in through Online Banking.
*Rates as of October 1, 2020. APR = Annual Percentage Rate. Lowest rate featured based on credit score of 750. Rates are variable. Qualification is based on an assessment of individual creditworthiness and our underwriting standard. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Not all applicants will qualify. Contact us for more information.

**APR (Annual Percentage Rate). The balance transfer APR will be 2.99% for 6 monthly billing cycles after the date of the transfer(s), then the standard purchase price APR applies, which is currently 6.00% - 15.25% for the Advantage Card,  9.25% - 16.25% for the Rewards Card, 12.96% for the Classic Card and 9.9% for the Platinum Card. Complete details on the balance transfer form.

+The drawing is open to all legal Michigan residents 18 years or older. Promotional period from October 1 – December 31, 2020. Usage counted per calendar month and based on credit line. Some exclusions apply. For full official rules, click here.

1. Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.
"Working with Arbor was the easiest process I have had in regards to a car loan. Thank you for such a smooth process and recommendations on how to best position myself for future business." Joel P Read More Member Stories