What feature is most important to you?

Plus, all our cards come with these benefits:

plus iconNo Annual Fee

Because every dollar matters.
plus iconDigital Wallet Options

Making purchases is easy, safe and secure without having to swipe your card.
plus icon24-Hour Support

Get card assistance when you need it and peace of mind knowing you’re in good hands.
plus icon NortonLifeLock

Get security for your digital life and stay informed of potential threats to your identity.
plus iconVisa's Zero Liability Policy1

Shop with confidence knowing you won’t be held responsible for unauthorized charges.
plus iconLock Your Card for Safety

Manage your credit cards anytime, anywhere with our Card Control Mobile App.
plus iconAuto Rental Collision Damage Waiver

Get insurance coverage for automobile rentals made with your credit card.
plus iconShipt2,3

New “Shipt Everyday” members: 1-month complimentary membership followed by 50% off for 3 months4.

Existing “Shipt Everyday” members: 3-month additional complimentary membership ($30 value)5.
plus iconSofar Sounds

Enjoy exclusive presales on Sofar-presented events, and get a free ticket with purchase of one or more tickets to a show during presales6.
Advantage Card
Advantage Credit Card Open account
Rates for purchases

6.00% APR* - 15.25% APR*

Balance Transfers**

2.99% APR** for 6 months

Points Program
How to earn more

Sign up for eStatements and earn a $5 credit.

Advanced Security

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

Business Rewards Card
Business 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.

How to Earn More

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


Advanced Security

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

3X Points on Restaurants and Travel

2X Points on Groceries and Gas
1X Points on everything else


Get more benefits:

Enjoy 2.99% APR** for 6 Months

Arbor Financial is offering 2.99% APR** for 6 months with zero balance transfer fees when you move your high-rate credit card balance to a Visa Rewards Card or Advantage Card. Get started by filling out the form below, stopping by any branch, or giving us a call at 269.375.6702.

Transfer My Balance

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!

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.

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

* Rates as of October 1, 2021. 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.
** Annual Percentage Rate (APR). Offer available as of 4/8/21. Balance Transfer promotional rate applicable for 6 monthly billing cycles. Starting on the seventh month, the promotional rate will convert to your standard rate. Not eligible for CU Rewards Points and may not be used to pay other Arbor Financial accounts. Promotion, rate, terms and conditions subject to change without notice.
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.
2. Eligibility / sign up is through 31 December 2024. Benefits activated by 31 December 2024 will end on 31 December 2025.
3. Shipt Everyday is a subscription that gives customers unlimited free same-day deliveries on orders over $35. Shipt Everyday costs $99 / year as of May 2021. Benefit applies to “Shipt Everyday” only and does not apply to “Shipt Passes.”
4. For new Shipt Everyday members, at the end of the promotional period, cardholders will auto-renew into the then-current monthly membership fee. As of May 2021, the monthly membership fee is $9.99 / month.
5. For existing Shipt Everyday members, complimentary membership will be added to the end of the current Shipt membership term. At the end of the complimentary period, cardholders will revert to paying Shipt membership at then-current rates.
6. Presale on eligible shows operated, managed and marketed by Sofar Sounds.
"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