)
Explore All 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 best fits your needs.
Current cardholders: Request a credit line increase or upgrade your card today. Get started now.
Visa® Signature Credit Card
Turn everyday purchases into extraordinary experiences.
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
- 1.99% APR5 on all balance transfers for 12 months and no balance transfer fee
Visa® Platinum Rewards Credit Card
Earn perks every day by living your way.
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
- 1.99% APR5 on all balance transfers for 12 months and no balance transfer fee
Visa® Platinum Credit Card
Reach for the stars with rates that are lower than our other cards.
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
- 1.99% APR5 on all balance transfers for 12 months and no balance transfer fee
Student Visa® Credit Card
Build your credit while earning your credits.
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
- 1.99% APR5 on all balance transfers for 12 months and no balance transfer fee
Visa® Secured Credit Card
Safely build your credit with a card that’s got your back.
- 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
- 1.99% APR5 on all balance transfers for 12 months and no balance transfer fee
Monterra Rewards
Get rewarded for every day well spent.
- 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!
Enhance Your Card Experience
Enjoy more from the card you already love.
- Increase your credit line for added spending flexibility
- Upgrade to a card with enhanced rewards and benefits
- Keep your everyday purchases simple and convenient
Banking for real life. Start here.
*APR = Annual Percentage Rate. Rate effective 7/01/26.
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. Promotional APR will be applied to all balance transfers made during the promotional period of 7/1/26 to 10/31/26. 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. Cards carry a variable rate that can change monthly. 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 balance transfer will revert to the APR as disclosed in your Card Agreement. The balance transfer/cash advance 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 10/31/26. Offer is subject to change without notice.
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.
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. Promotional APR will be applied to all balance transfers made during the promotional period of 7/1/26 to 10/31/26. 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. Cards carry a variable rate that can change monthly. 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 balance transfer will revert to the APR as disclosed in your Card Agreement. The balance transfer/cash advance 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 10/31/26. Offer is subject to change without notice.
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.