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

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. 

Compare Credit Cards

Transfer Your Balance and Save

Resfresh 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

Student Credit Card

Volt members can qualify for a Visa Rewards Credit Card starting at age 16. Meant as a credit builder, this card has a low credit limit, offers the lowest possible rate, and will earn points with everyday purchases, which never expire.

Learn More About Volt

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. Give us a call at 269.375.6702 or email us with travel dates. Safe travels!

Visa Purchase Alerts

Receive near real-time email notifications on select Visa card purchases made with your Arbor Financial Visa debit or credit card. You'll be able to monitor your account activity and quickly notify us if anything looks suspicious.

How to enroll:

1. Enroll on the Visa website here.

2. Click on "Check Eligibility"

   -  Enter the first 9 digits of your card
   -  Create your account
   -  Set the notification alerts
   -  Add up to 10 cards per account

Rewards Card Advantage Card
  Rewards Credit Card

Open account
Advantage Credit Card

Open Account
Rates for Purchases

10.75% APR* - 17.75% APR*

7.50% APR* - 16.75% APR*
Balance Transfers** 2.99% APR* for 6 months
PLUS earn ScoreCard points on transferred balances!
2.99% APR* for 6 months
Points Program

Use your ScoreCard 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 Chip technology adds another level of encryption when you make purchases. 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, an environmentally friendly option that provides quicker, more secure access to your statements.

Sign up for eStatements and earn a $5 credit.


Arbor Financial makes it easy to pay without swiping your card

Get card assistance when you need it

If your Visa 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 800.325.3678

*Rates as of January 1, 2020. APR= Annual Percentage Rate. Lowest rate featured based on credit score of 750. Rates are variable. Qualification is based on an assesment 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 7.50% - 16.75% for the Advantage Card,  10.75% - 17.75% for the Rewards Card, 12.96% for the Classic Card and 9.9% for the Platinum Card. Complete details on the balance transfer form.
"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