Because life should be rewarding

Rewards Credit CardApply Online

  • Rates as low as 7.99% APR. Your rate will be determined by your credit score. Higher credit scores will receive a lower rate.
  • All cardholders are automatically enrolled in the ScoreCard® Rewards program! Earn points for merchandise, travel or cash in the form of a statement credit.
  • EMV Chip enabled.
  • 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.
  • Use our Card Manager in MyCoVantage for activating, freezing or travel notifications. If a card is misplaced or lost, freezing the card will help protect from fraudulent activity.


Our Rewards Program

  • 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.


​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.

Apply for a CoVantage Rewards Visa Credit Card today and reward your life!




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 Transfers 7.99% to 10.9​9% APR when you open your account, based on your creditworthiness.
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 Fees
Balance Transfers FEE


Replacement card fee $5.00


How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Effective Date:
The information about the costs of the card described in this application is accurate as of July 1​, 2018. The information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa CoVantage Rewards and MasterCard CoVantage Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:
Late Payment Fee: $10.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.
Balance Transfer Fee (Finance Charge): $2.00.
Cash Advance Fee (Finance Charge): $2.00.
Card Replacement Fee: $5.00.