Credit Cards | WI, MI, IL Reward Card | CoVantage Credit Union

The best way to shop? With a credit card that fits your life.

Planning to do some shopping? You'll want to take along a CoVantage Credit Union Visa Credit Card. With options to fit the way you spend and save money, our low interest rate credit cards mean you can shop more or carry a balance. Apply online with ease today.

EMV Chip enabled for maximum fraud protection
Make payments using MyCoVantage digital banking and mobile app, automatic payment transfers, in-person at one of our Wisconsin, Michigan, or Illinois locations, or by mail.
Use MyCoVantage Digital Banking for activating, freezing or travel notifications. If a card is misplaced or lost, freezing the card will help protect from fraudulent activity.
Credit Card interest paid is eligible for CoVantage Credit Union’s competitive loan interest rebate program.

Choose the credit card that works for you!

Compare CoVantage credit card options side-by-side

Compare	Great Rate Visa Credit Card	Cash Back Visa Credit Card
Current APR* as low as	11.490% APR	16.240% APR
Get a low rate, plus	N/A	Earn cash back on all purchases
Annual fee	No	No
Balance transfer and cash advance fee	$2.00	$2.00
Foreign transaction fee	No	No
EMV Chip enabled for maximum anti-fraud security	Yes	Yes
Eligible for loan interest rebate program	Yes	Yes
MyCoVantage digital banking and mobile app	Yes	Yes
Online application	Yes	Yes

Credit Cards

Great Rate Visa^® Credit Card

Best-in-class low interest rate, no annual fees, convenient online tools, and great security safeguards. The CoVantage Credit Union Great Rate Visa Credit Card fits the way you spend and save. Make payments, activate or freeze your card, or set up travel notifications using MyCoVantage Digital Banking.

Apply Now

Credit Cards

Cash Back Visa^® Credit Card

A generous cash back rewards program, low interest rates, and great security safeguards. The CoVantage Credit Union Cash Back Visa Credit Card has all the features necessary to be the best credit card in your wallet. Earn cash back rewards on each purchase, cash advance, and balance transfer. Choose from rewards such as a statement credit, an electronic deposit, or a variety of gift cards.

Apply Now

Credit Cards

Business Rewards Visa^® Credit Card

The CoVantage Business Rewards Visa Credit Card has a low interest rate, no annual fee, and a perk-filled rewards program, that gives you the power to buy what you need, exactly when you need it, to keep your business running smoothly. Receive 1 point for every dollar charged to your credit card.

Can I make weekly payments?

Payments can be made more frequently on personal loans, vehicle loans, or credit cards. Mortgage payments are only accepted monthly.

I got a loan through a dealership. Where do I find my payment due date and amount?

CoVantage will mail a packet with loan information to every borrower, so watch your mailbox! If you provided an email address at the dealership, you will also receive an email with that information approximately one week after the loan closed. Please note that the loan may not close until one to three days after you sign at the dealership.

Can I set up a payment from another financial institution?

You can use MyCoVantage digital banking and mobile app to set up automatic payments from your CoVantage checking or savings account OR from another financial institution (also called an External Transfer). Set-it-and-forget-it using the Transfer/Pay feature today!

To set up a transfer from another financial institution within MyCoVantage, navigate to the Transfer/Pay tab, then select Manage External. Before you can set up a one-time or recurring transfer, you will need to Add a New External Account and create an account nickname you can use to reference the account within digital banking.

Once added, you will need to verify the account by confirming two small amounts to the external account. Then log into MyCoVantage and go back to the Transfer/Pay tab, select Manage External and enter the trial deposit amounts that were sent to the external account. After completing this step, the external account will be ready to use within Transfers.

Please note: External Transfers are not immediate, they are processed in 1 to 3 business days from the date scheduled, provided they are scheduled by 4pm. For example, if you have a loan payment due on Friday, January 15, you will want to schedule the transfer at least 3 business days prior, Tuesday, January 12, to ensure the funds are received by that date.

What happens if I make a late payment on a loan?

Unfortunately, if your loan payment becomes 30 days past due, your status as a CoVantage “Member in Good Standing” is jeopardized, which could also affect any digital banking services. In addition, late payments on loans and mortgages may result in a late fee or negative reporting to credit bureaus. To avoid late payments, set up automatic payments using MyCoVantage digital banking and mobile app.

I'm having financial difficulties. Who can I talk to about my payments?

As a financial cooperative, we depend on all our members to contribute to the credit union and uphold their obligations. It’s working together and sharing our resources that allow us to offer lower loan rates, higher savings rates, and the quality products and services that are a part of the credit union experience. If you are having financial difficulties, please contact our Member Solutions team at 800-398-2667, ext. 2404 to discuss repayment options.