Customers Using Sierra Central Credit Card
Credit Cards

Discover the card that suits your needs, whether it's building credit or accessing premium rewards.

We offer six different options for a convenient way for our members to make purchases. Earn a little extra as you go!

Please Select Another Card
💰 Cash Back VISA®
Rewards VISA®
Premier VISA®
Secured VISA®
First VISA®
Business VISA®

We've partnered with  provide our business members an all-in-one system.to provide our business members an all-in-one system.

  • Easier Payments

    Accepting any type of payments is a snap—from in-person swipe, chip and tap, to online payments.

  • Tighter Tracking

    Whether you sell coffee or memberships, all purchases are more secure and trackable.

  • Happier Customers

    Offer the best possible customer experience while building loyalty at your place of business and online.

  • More Flexibility

    Manage your business and make a sale from anywhere with our dashboard, mobile app and virtual terminal.

Get Started
This is some text inside of a div block.
7.74
%
 - 
15.74
%
 APR
As low as 7.74%

Cash Back VISA®

Get rewarded for the purchases you're already making. Earn Cash Back, enjoy competitive rates, and carry a card backed by the worldwide convenience and security of a VISA®.

Cash Back Visa

Learn More
Cash Back VISA® Balance Transfer
13.74
%
*APR as low as: from
To
19.74
%
Cash Back VISA® Balance Transfer
13.74
%
*APR as low as: from
To
19.74
%
Cash Back VISA® Cash Advance
15.74
%
*APR as low as: from
To
21.74
%

  • Credit lines from $1,000 to $25,000

  • 25 day grace period

  • Low Introductory Rate

Apply Now
Cash Back VISA Purchases

Rewards VISA®

With our Rewards Credit Card you earn points for your purchases that can be used for cash back, Amazon, and so much more!

  • Added VISA® benefits such as Travel Accident Insurance, Travel and Emergency Assistance, and more
  • Competitive Rates
  • No Cost Balance Transfer
  • Tap-to-Pay
  • No Annual Fee


The best part of spending with this Credit Card is all the rewards. Whether you’re shopping online or in person, you earn and there is no limit to the amount of points that can be earned.

‍‍

Rewards to choose from:

  • Amazon Pay w/ points
  • Paypal
  • Gift Cards
  • Travel
  • Merchandise
  • and more!

Interested in applying for this credit card: ‍

Call 800-222-7228
Visit one of our 18 branch locations

Do you have this Credit Card, but have not yet enrolled in UChoose Rewards?

Activation is simple:

  1. Login to your Sierra Central Online Banking Account
  2. Click on Credit Cards
  3. Select your Premier Rewards (Cash Back) VISA Credit Card
  4. "Activate" your UChoose Rewards
  5. Start shopping
13.74%
*APR as low as: from
19.99%
To
*APY as high as

  • Credit lines from $1,000 to $25,000

  • 25 day grace period on purchases

  • Low introductory rates

Apply Now
Visa Premier Rewards

Our Premier Rewards Credit card includes UChoose Rewards, where you "Shop, Earn, and Choose" the perfect reward for your spending!

We've partnered with  provide our business members an all-in-one system.to provide our business members an all-in-one system.

  • Easier Payments

    Accepting any type of payments is a snap—from in-person swipe, chip and tap, to online payments.

  • Tighter Tracking

    Whether you sell coffee or memberships, all purchases are more secure and trackable.

  • Happier Customers

    Offer the best possible customer experience while building loyalty at your place of business and online.

  • More Flexibility

    Manage your business and make a sale from anywhere with our dashboard, mobile app and virtual terminal.

Get Started
This is some text inside of a div block.
7.74
%
 - 
15.74
%
 APR
As low as 7.74%

Premier VISA®

With our Premier card you have a low-rate credit card with worldwide acceptance.

‍

11.74%
*APR as low as: from
17.99%
To
*APY as high as

  • Credit lines from $1,000 to $25,000

  • 25 day grace period on purchases

  • Low introductory rates

Apply Now
Visa Premier

We've partnered with  provide our business members an all-in-one system.to provide our business members an all-in-one system.

  • Easier Payments

    Accepting any type of payments is a snap—from in-person swipe, chip and tap, to online payments.

  • Tighter Tracking

    Whether you sell coffee or memberships, all purchases are more secure and trackable.

  • Happier Customers

    Offer the best possible customer experience while building loyalty at your place of business and online.

  • More Flexibility

    Manage your business and make a sale from anywhere with our dashboard, mobile app and virtual terminal.

Get Started
This is some text inside of a div block.
7.74
%
 - 
15.74
%
 APR
As low as 7.74%

Secured VISA®

Whether you’re dealing with a financial setback, a student without credit history, or just looking to build credit, a Sierra Central Secured VISA® can help.

  • Build credit
  • Set your credit limit
  • Your refundable deposit is held in a secured Savings account
  • The credit limit on your card is established at a level $200 below your security deposit
22.99%
*APR as low as: from
22.99%
To
*APY as high as

  • An everyday card for your purchases

  • Use your card wherever credit cards are accepted

  • It works just like a traditional Credit card, and it looks the same, too – merchants can’t tell the difference between a secured card and traditional card

Apply Now
Secured VISA

We've partnered with  provide our business members an all-in-one system.to provide our business members an all-in-one system.

  • Easier Payments

    Accepting any type of payments is a snap—from in-person swipe, chip and tap, to online payments.

  • Tighter Tracking

    Whether you sell coffee or memberships, all purchases are more secure and trackable.

  • Happier Customers

    Offer the best possible customer experience while building loyalty at your place of business and online.

  • More Flexibility

    Manage your business and make a sale from anywhere with our dashboard, mobile app and virtual terminal.

Get Started
This is some text inside of a div block.
7.74
%
 - 
15.74
%
 APR
As low as 7.74%

My First VISA®

  • Credit line of either $500 or $1,000
  • No annual fee
  • A Sierra Central VISA® card is recognized worldwide
21.74%
*APR as low as: from
27.99%
To
*APY as high as

  • Add to your mobile wallet

  • Can be used as an overdraft protection option for your Sierra Central Checking account

    ‍

Apply Now
My First VISA

We've partnered with  provide our business members an all-in-one system.to provide our business members an all-in-one system.

  • Easier Payments

    Accepting any type of payments is a snap—from in-person swipe, chip and tap, to online payments.

  • Tighter Tracking

    Whether you sell coffee or memberships, all purchases are more secure and trackable.

  • Happier Customers

    Offer the best possible customer experience while building loyalty at your place of business and online.

  • More Flexibility

    Manage your business and make a sale from anywhere with our dashboard, mobile app and virtual terminal.

Get Started
This is some text inside of a div block.
7.74
%
 - 
15.74
%
 APR
As low as 7.74%

Business Credit Card

Free yourself from the hassle of writing checks or carrying cash with a Sierra Central Business VISA®.

Internationally recognized and easy to use. Whether you are making a mobile purchase, paying a vendor, or having staff make quick purchases.
Let us help your business grow.

BUSINESS VISA®

$5,000 - $50,000
Internationally recognized for small business.

‍

16.74%
*APR as low as: from
22.99%
To
*APY as high as

  • Low variable rate that adjusts to prime interest rate plus 9.99% after the introductory rate period

  • Access to funds when you need it

    ‍

    ‍

Talk to a Specialist
Business VISA

Cash Back
VISA®

Apply Now

Rewards
VISA®

Apply Now

Premier
VISA®

Apply Now

Secured
VISA®

Apply Now

First
VISA®

Apply Now

Business
VISA®

Talk to a Specialist
Credit Line
$1,000 to $25,000
$1,000 to $25,000
$1,000 to $25,000
$300 to $2,000
$500 or $1,000
$10,000 to $50,000
Introductory Rate
10.99
%
8.99
%
N/A
18.99
%
18.99
%
APR
Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period
Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period
Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period
A variable rate that adjusts to the prime interest rate plus a rate margin
Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period
A variable rate that adjusts to the prime interest rate plus a rate margin
Rewards
2% Cash Back with select categories receiving 3%*
Earn points for your purchases, which can be used for: Amazon Pay w/Points, PayPal, Gift Cards, Travel, Merchandise and more
None
None
None
None
Grace Period
25 day grace period on purchases
25 day grace period on purchases
25 day grace period on purchases
25 day grace period on purchases
25 day grace period on purchases
25 day grace period on purchases
Cash Advance Fee
$10 or 3% of the cash advance amount, whichever is greater
$10 or 3% of the cash advance amount, whichever is greater
$10 or 3% of the cash advance amount, whichever is greater
$10 or 3% of the cash advance amount, whichever is greater
$10 or 3% of the cash advance amount, whichever is greater
$10 or 3% of the cash advance amount, whichever is greater

Stated rates are effective as of the date of publication and are subject to change at any time without notice. Stated “as low as” rates and APR are based on certain criteria and underwriting guidelines that include, but are not limited to, creditworthiness, loan to values, products, collateral type, taxes, licensing, insurance, and specific product underwriting. All loans are subject to credit approval and underwriting guidelines, and some restrictions may apply. Must enroll in Online Banking and have a valid email address to redeem points. Membership and/or participation fees may apply. Membership is open to those that live, work, or attend school in any of our branch location counties. We reserve the right to correct publishing errors. *APR=Annual Percentage Rate. **Low introductory rates may be available for limited terms and will adjust to prime interest rate plus a margin after the introductory period. Sierra Central is an Equal Opportunity Lender and Federally Insured by the NCUA.

‍See Credit Card Disclosure for full details. See Consumer Fee Schedule. See Business Fee Schedule.