Credit Cards

From a night on the town to dream vacations, our Visa Credit Cards and Rewards can help you get where you want to go.

With all of our cards, enjoy:

Smart chip technology for extra security

Mobile purchasing convenience with Apple Pay and Google Pay

No annual fee

Classic Visa

The perfect card for those starting to build credit, with limits starting at $500. Earn 1 point for every dollar spent, and 1.5 points for restaurants, fuel, and travel. Make payments on time, maintain a healthy balance, and watch your credit rating grow.

Platinum Visa

Enjoy a higher credit limit starting at $5,000, lower interest rate, and free Purchase Security, which insures most items for 90 days against theft, fire, and many types of damage. Earn 1 point for every dollar spent, and 2 points for restaurants, fuel, and travel.

First Visa

For those with no or little credit history and 6 months of employment history, this card is ideal for college students and has a maximum limit of $1,000.

Card Control

Card Control gives you extra security every time you use your Visa Credit and Debit cards either locally or while traveling!
More on Card Control

Visa Secure
Remote Commerce

With the latest click-to-pay technology, your online purchases are easy, fast, and secure. Learn more about the features and benefits available to you as a Coast Central cardholder.

More on Visa SRC VISA Secure Remote Commerce icon

Coast Central Rewards

Earn 1 to 2 points back for every dollar spent on restaurants, gas, travel, and other qualified purchases. Get cash back, merchandise, and more! For Rewards Customer Service, please call (888) 616-8381.
More on Rewards

Current Rates

Visa Classic fixed APR as low as:


Visa Platinum variable APR as low as:


Auto Rental Collision Damage Waiver

Your Visa has you covered. No need to buy the expensive car rental insurance ever again.

Travel Accident Insurance

Protect your loved ones with up to $250,000 travel accident insurance when you use your card for travel expenses.

It's easy to apply!

Existing members – you can easily apply within Online and Mobile Banking from the Main Menu.

New members - feel free to call us at (707) 445-8801, ext 1365. or stop by any CCCU location.

Coast Central Reward Opportunities

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Redeem points for cash back in the form of a credit to your savings account.

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Access exclusive deals for airline tickets, hotels, car rentals, cruises, vacation packages, and destination activities. No blackout dates or requirements for advance notice or round trips.

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Browse hundreds of brand-name rewards like cameras, tablets, apparel, home items, gaming, and more.

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Gift Cards

Enjoy a variety of options including dining, shopping, and entertainment.

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Pay it forward by donating to up to three non-profit organizations of your choice.

To browse rewards, check your point balance and more, sign in to Online Banking or visit Coast Central Rewards. For Rewards Customer Service, call (888) 616-8381.


If you see a transaction on your Coast Central Visa Credit Card you believe is unauthorized, first contact the company who made the charge at the number listed within the transaction (in your statement’s account history or online banking). Sometimes unexpected charges turn out to be legitimate, as the company name may vary. If you are confident the charge was unauthorized, you may pursue a Visa dispute. If you have general questions about the dispute process, our Card Services Department can be reached at (707) 445-8801, ext. 1291.

To begin the dispute process, please call us at (866) 896-4689 and press option 4 to file a dispute.

When calling this number please have prepared:

  • The last 4 digits of your Social Security Number.
  • The full number of the compromised card.
  • Your billing zip code.
  • A list of all fraudulent transactions including the exact date of each transaction and the amount charged.

Once the dispute has been filed, it will be reviewed and investigated. You may receive a letter in the mail asking for additional information. Please make sure your address is up to date on your account. Due to Visa time limit restrictions, you must provide requested information by the date listed on the letter. If the charge is found to be fraudulent or unauthorized, you will receive a credit for the charge. Please refer to our EFT Disclosure for specific details on error resolution.

Please note that if in fact you participated in the transaction(s), you will need to attempt to resolve the situation with the merchant (refer to their terms and conditions). For example, charges resulting from “free trial” periods generally do not qualify as unauthorized. If you complied with the merchant’s terms and conditions and are unable to resolve the situation, you may pursue a Visa dispute through Coast Central.

For merchandise charges
If you received merchandise and returned it for a refund, a dispute cannot be filed until 15 days after the return date to give the merchant time to issue a credit. If 15 days have passed and no credit has been received, you may pursue a Visa dispute. You must provide a copy of your shipping receipt showing the tracking number and that the package was insured.

Contact Visa immediately 24/7 to make a report at (866) 896-4689. With our Card Control app, you can suspend your card anytime you suspect fraud.

Visa Secure Remote Commerce is an online checkout option that provides the following benefits:

You no longer have to enter 16-digit primary account numbers, look up passwords, or fill out long forms to make a purchase.Smart
Wherever you see this icon VISA Secure Remote Commerce icon and Visa is accepted, you’ll enjoy the same time-saving digital checkout.Secure
When you click to pay with Visa, you can be assured that our global payment network is always looking out for you – fighting fraud, reducing risk, and helping to make transactions fast and worry-free. We use multiple layers of payment security, and our anti-fraud detection system monitors every payment in real time, analyzing more than 500 unique risk attributes. Visa also works closely with merchants and your issuing bank to protect your card against unauthorized use. With Visa, you can buy with confidence.

To learn more and sign up, visit Visa’s Secure Remote Commerce page.

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