Become a Member

Personal Credit Cards

Get more flexibility, more possibilities, and more rewards with Arbor Financial’s personal credit cards. Enjoy no annual fees, digital identity protection, and point rewards with our variety of low interest credit cards.  

Compare Rates and Save

What feature is most important to you?

Untitled design - 2022-12-05T112038.952
Rewards for web

Rewards Credit Card

Earn Points For Cash Back, Merchandise, and Travel!

  • Rates as low as 14.50% APR*
  • Earn great rewards:
    • 3X Points on Restaurants & Travel
    • 2X Points on Groceries & Gas
    • 1X Points on everything else
  • Balance transfer offer:  2.99% for 6 months with no transfer fees 
  • Earn 2,500 points for activation.
  • Earn 500 points when you sign up for eStatements.
  • Get MORE security! Card information is printed on the back of the card, and chip technology adds another level of encryption when you make purchases. 
  • All cards come with these great benefits.

Open an Account

Compare Rates and Save

Advantage for web

Advantage Credit Card

Save More With a Low-Rate Card

  • Rates as low as 11.25% APR*
  • Balance transfer offer:  2.99% for 6 months with no transfer fees 
  • Sign up for eStatements and earn a $5 credit.
  • Get MORE security! Card information is printed on the back of the card, and chip technology adds another level of encryption when you make purchases.
  • All cards come with these great benefits.

Open an Account

Compare Rates and Save

Volt for web

Volt Rewards Credit Card

Build Credit While Earning Points - Designed for Volt Account Members aged 16-24.


  • Rates as low as 14.50% APR*
  • Earn great rewards:
    • 3X Points on Restaurants & Travel
    • 2X Points on Groceries & Gas
    • 1X Points on everything else
    • Use your CURewards points to get cash back, gift cards, merchandise and travel rewards when you make everyday purchases.
    • Earn 2,500 points for activation.
      Earn 500 points when you sign up for eStatements.
  • Get MORE security! Card information is printed on the back of the card, and chip technology adds another level of encryption when you make purchases.
  • All cards come with these great benefits.

Open an Account

Compare Rates and Save

Business for web

Rewards Business Credit Card

High Credit Limit, Low Rates, Amazing Rewards

  • Earn great rewards:
    • 3X Points on Restaurants & Travel
    • 2X Points on Groceries & Gas
    • 1X Points on everything else
    • Use your CURewards points to get cash back, gift cards, merchandise and travel rewards when you make everyday purchases.
  • Get MORE security! Card information is printed on the back of the card, and chip technology adds another level of encryption when you make purchases.
  • All cards come with these great benefits.

Open an Account

Compare Rates and Save

All of Arbor’s credit cards come with these benefits:

No Annual Fee

Because every dollar counts!

Digital Wallet Options

Making purchases is easy, safe and secure without having to swipe your card. 

24-Hour Support

Get credit card assistance whenever you need it and enjoy peace of mind knowing you’re in good hands.

NortonLifeLock

Get security for your digital life and stay informed of potential threats to your identity.

Visa's Zero Liability Policy1

Shop with confidence knowing you won’t be held responsible for unauthorized charges.

Lock Your Card for Safety

Manage your credit cards anytime, anywhere with our Card Control Mobile App.

Auto Rental Collision Damage Waiver

Get insurance coverage for automobile rentals made with your credit card.

Shipt2,3

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.

Sofar Sounds

Enjoy exclusive pre-sales on Sofar-presented events, and get a free ticket with purchase of one or more tickets to a show during presales6.

Compare Rates and Save

Manage your credit card through our mobile Card Control App.

Manage your Arbor Financial credit cards anytime, anywhere! Enable real-time alerts, lock and unlock your card, and so much more. Now, when you are in your Arbor Mobile App, your Card Control App is just one click away.


Get the App

A woman holding an Arbor Visa Rewards Credit Card.

Enjoy 2.99% APR** for 6 Months

Arbor Financial is offering 2.99% APR** for 6 months with no transfer fees when you move your high-rate credit card balance to a Visa Rewards Card or Advantage Card. To get started, fill out the form below, stop by any branch, or give us a call at 269.375.6702.

Transfer My Balance

Arbor Financial makes it easy to pay without swiping your card through these digital wallets:

Apple Pay
Learn more
Samsung Pay
Learn more
Garmin Pay
Learn more
Google Pay
Learn more
LG Pay
Learn more
FitBit Pay
Learn more

Traveling with your debit or credit card?

Hit the road (or the skies) with confidence, because we work diligently to protect you no matter where you are in the world. Let us know before you head out on vacation to ensure uninterrupted use of your debit and credit cards. Out of state or international purchases may be flagged as potential fraud and consequently blocked until your authorization is confirmed.

It's easy. Set your travel alert using the Card Control app or Online and Mobile Banking with your travel dates. Safe travels!

Sunglasses and an Arbor debit card on a beach towel.

Get card assistance when you need it

guy concerned on phone and laptop

Lost or Stolen Card

If your credit card is lost or stolen, call 269.375.6702 or 800.422.7340 immediately. If you have other non-emergency questions after hours or on holidays, please call 866.591.2802.

Set Up Your PIN

If you would like to set up a PIN for ATM withdrawals on your credit card, call 888-886-0083 to set your PIN.

Online Banking

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, 2023. APR = Annual Percentage Rate. 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. See full disclosure.

** Annual Percentage Rate (APR). Offer available as of 4/6/23. 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.