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Compare Credit Cards
Spend every day your way with a credit card that fits your life
Starting school in the Bay Area? Updating your home in Redwood City? Launching a business in San Mateo? Monterra Credit Union has a Visa® credit card that works for you, with affordable rates, smart security and reward earning card options. Below is a comparison of our card types, so you can select the card that will best fits your needs.
Receive an introductory bonus of 20,000 Monterra Rewards points when you make $2,000 in purchases within the first 90 days of account opening1.
- No annual fee and no foreign transaction fee
- Low purchase rate based on credit worthiness
- Earn two (2) Monterra Rewards points for $1 spent on gas and travel purchases and one (1) point for every $1 on everything else
- Credit limits from $5,000 to $35,000
- Contactless card with tap-to-pay functionality
- Additional card, travel, and lifestyle benefits
- Overdraft protection for your Monterra Credit Union checking account
- SPECIAL OFFER†: 1.99%APR* for 12 months on all balance transfers
Receive an introductory bonus of 10,000 Monterra Rewards points when you make $1,500 in purchases within the first 90 days of account opening2 and an introductory rate as low as 2.99%APR* for the first 12 months on purchases2.
- No annual fee
- Earn one (1) Monterra Rewards point for every $1 spent on purchases
- Credit limits from $500 to $25,000
- Contactless card with tap-to-pay functionality
- Additional card benefits
- Overdraft protection for your Monterra Credit Union checking account
- SPECIAL OFFER†: 1.99%APR* for 12 months on all balance transfers
Receive introductory rate as low as 1.99%APR* for the first 12 months on purchases3
- No annual fee
- Credit limits from $500 to $25,000
- Contactless card with tap-to-pay functionality
- Additional card benefits
- Overdraft protection for your Monterra Credit Union checking account
- SPECIAL OFFER†: 1.99%APR* for 12 months on all balance transfers
Receive an introductory rate as low as 2.99%APR* for the first 12 months on purchases4
- No annual fee
- Earn one (1) Monterra Rewards point for every $1 spent on purchases
- Credit limits from $100 to $2,000
- Contactless card with tap-to-pay functionality
- Additional card benefits
- Overdraft protection for your Monterra Credit Union checking account
- SPECIAL OFFER†: 1.99%APR* for 12 months on all balance transfers
- No annual fee
- Earn one (1) Monterra Rewards point for every $1 spent on purchases
- Credit limits up to $20,000
- Contactless card with tap-to-pay functionality
- Additional card benefits
- Overdraft protection for your Monterra Credit Union checking account
- SPECIAL OFFER†: 1.99%APR* for 12 months on all balance transfers
- Earn rewards with your Monterra Visa® Signature, Platinum Rewards, or Business Rewards credit card
- Register your Monterra card online
- Redeem for a wide range of merchandise, cash back, travel and community options, even discounts and freebies at Monterra!
*APR = Annual Percentage Rate. Rate effective 3/21/25.
1. Introductory offer is available only on a new Visa® Signature credit card and not on any other offer.
2. Introductory offer is available only on a new Visa® Platinum Rewards credit card and not on any other offer.
3. Introductory offer is available only on a new Visa® Platinum credit card and not on any other offer.
4. Introductory offer is available only on a new Visa® Student credit card and not on any other offer.
Introductory offers carry conditions and can change without notice. Cards carry a variable rate that can change monthly. Please ask a Monterra Credit Union Representative for card details or refer to your Card Agreement for complete card terms and conditions. Conditions and restrictions apply.
†Promotional 1.99% APR will be applied to all balance transfers made during the balance transfer offer promotional period through March 31, 2025. Purchases and cash advances are excluded from this offer. All loans and credit cards are offered on approved credit and are subject to qualification including offers to perform a balance transfer. The promotional balance transfer APR is good for 365 days (12 months) from the date of the last balance transfer made during the promotional period. Thereafter, the rate on a balance transfer will revert to the APR as disclosed in your Card Agreement. The balance transfer fee of 3.00% of the transfer amount with a minimum of $4 and a maximum of $300 will be waived during the promotional period which ends March 31, 2025. Cards carry a variable rate that can change monthly. Conditions and restrictions apply.