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.  

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Advantage Card

Business Rewards Card

Rewards Cards

Volt Rewards Card

 
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Rates for Purchases

As low as 9.00% APR*
Competitive Variable Rate
As low as 12.25% APR*

As low as 12.25% APR*

Balance Transfers

2.99% APR** for 6 months
N/A
2.99% APR** for 6 months
N/A

Rewards Program

N/A
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.
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.
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.

How to Earn More

Sign up for eStatements and earn a $5 credit.
Earn 2,500 points for activation
Earn 500 points when you sign up for eStatements.
Earn 2,500 points for activation.
Earn 500 points when you sign up for eStatements.
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.
Card information is printed on the back of the card, and chip technology adds another level of encryption when you make purchases.
Card information is printed on the back of the card, and chip technology adds another level of encryption when you make purchases.
Card information is printed on the back of the card, and chip technology adds another level of encryption when you make purchases.
 

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.

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 zero balance 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:

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 3, 2022. 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 8/1/22. Balance Transfer promotional rate applicable for 12 monthly billing cycles. Starting on the thirteenth 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.