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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
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
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
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
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 checking account
Receive an introductory bonus of 5,000 Monterra Rewards points when you make $3,000 in purchases within the first 90 days of account opening5.
- 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
- 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 12/13/24.
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.
5. Introductory offer is available only on a new Visa® Secured 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.