Because life should be rewarding

Rewards Credit Card

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ScoreCard® Rewards


​Get a rewards credit card today!



  • Only 10.24% APR*
  • All cardholders are automatically enrolled in the ScoreCard® Rewards program!
  • No Annual Fee.
  • Make payments using MyCoVantage online banking and mobile app, TEX phone banking, automatic payment transfers, in-person, or by mail.
  • Credit card interest paid is eligible for loan interest rebate.
  • Transfer balances from other credit cards by downloading the PDF form or by using the Secure Form in the desktop version of MyCoVantage.


Our Rewards ProgramScoreCard

  • Receive one point for every $1 charged to your credit card.
  • As points accumulate, use them for merchandise, travel or cash in the form of a statement credit through the ScoreCard® Rewards website.
  • You will receive an e-Statement with your available points balance or view it on the Rewards website.
  • Earn bonus points quicker when shopping at participating retailers listed under "ScoreMore" program on the ScoreCard® Rewards website.
  • Coming soon: earn double points at local participating retailers!


​See how quickly you could earn cash back or rewards points

​$600 Utilities​600 points
​$130 Clothing​130 points
​$240 Dining Out​240 points
​$160 Entertainment​160 points
​$250 Gas​250 points
​$500 Groceries​500 points
​$100 Pharmacy​100 points
​$150 Car Insurance​150 points
Estimated Annual Points25,560 points
Estimated Annual Cash Back ​$255.60

For illustrative purposes only. Your actual rewards earned will depend on your individual purchases.

Related Pages


Important Numbers

Lost or Stolen Credit Card, Check Card, Load n'Go, or HSA Card:

  • During Business Hours

  • After Hours

For 24 hour support unlocking your account or if your Card is declined:

  • During Business Hours
  • After Hours (declined card only)
Credit Card disclosure
Interest rates and interest changes
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers10.24% APR
This APR will vary with the market based on the Prime Rate.*
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest ChargeNone
For Credit Card Tips from the Consumer Financial Protection Bureau​To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at (By clicking on this link, you will be leaving our website.)
Annual Fee


Transaction Fee for Cash Advances and Balance Transfers
(Finance charges for cash advances begin to accrue from the date of the advance.)
Replacement card fee$5.00
how we will calculate your balance:
We use a method called "average daily balance (including new purchases)."
daily use limit

$10,000 a day (Subject to your approved credit limit.)

minimum payment4% of new balance or $10, whichever is greater.
LATE PAYMENT FEE$10.00 or the amount of the required minimum payment, whichever is less, if you are ten or more days late in making a payment..


*The APR will be determined by adding a regular margin of 5.99% to the Prime Rate published in the Wall Street Journal on the 15th of March, June, September, and December (or if the 15th is a Saturday, Sunday, or holiday, the next business day.) Any change in the rate will go into effect on the first day of your new billing cycle beginning after the 1st of April, July, October, and January, and may result in an increase or decrease in the FINANCE CHARGE imposed on your account.

The information about the costs of the card described in this application is accurate as of January 1, 2017. This information may have changed after that date. To find out what may have changed, call us at 715-627-4336 or 1-800-398-2667 or write us at CoVantage Credit Union, PO Box 107, Antigo, WI 54409.