A man in a cafe pays a barista with his credit card.

Credit Cards

Give yourself some credit and enjoy cash back with Visa Rewards!

With all of our cards, enjoy:

  • Smart chip technology for extra security
  • Mobile purchasing convenience with Apply Pay and Google Pay
  • No annual fee on fixed rate cards
  • And more!

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

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

Visa Secure

Look for the Visa Secure logo when shopping online to add another layer of security. Good news! Every one of our Visa cards is automatically enrolled, so no need to take extra steps before you shop. Rest assured, with our advanced technology, we do all that we can to help ensure your transactions are secure.

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 variable APR as low as:

14.95%

Visa Platinum variable APR as low as:

13.95%

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!

Call (707) 445-8801, ext 365 or click below to complete our application and drop it by any
Member Services Branch. Physical signatures required.
Download our Visa Application

Coast Central Reward Opportunities

  • Cash – Redeem points for cash back in the form of a credit to your savings account.
  • Travel – 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.
  • Merchandise – Browse hundreds of brand-name rewards like cameras, tablets, apparel, home items, gaming, and more.
  • Gift cards – Enjoy a variety of options including dining, shopping, and entertainment.
  • Donations – 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.

How do I dispute a charge?

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. 291.

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

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.

If you see a transaction on your Coast Central Visa Debit 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. 291.

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

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.

ATM disputes
For ATM disputes on transactions made at one of Coast Central’s ATMs, please contact us to help resolve the issue. For ATM disputes on transactions made at any other ATM, please call us at (866) 896-4689 and press option 4 to file a dispute.