As a Spectrum Credit Union (Spectrum) member, you deserve the very best. What do you want most from your credit card? Now you have a choice. Whatever your needs, we have a credit card that's right for you! All of our credit card products come with a variety of important features including EMV smart chip technology.
Visa® Bonus Rewards Card
- Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month. Plus get $25 cash back1 after your first purchase.
Visa® Bonus Rewards PLUS Card
- Watch your rewards add up even faster with 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month. Plus get $50 cash back1 after your first purchase - all with a low annual fee.
Cash Rewards American Express® Card
- Earn cash back1 every time you use your card: 3% on gas, 2% at supermarkets, and 1% on all other eligible net purchases, plus $25 cash back1 after your first purchase.
Travel Rewards American Express® Card
1 Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.
- Earn great rewards faster with 3X reward earnings on airline net purchases and 2X reward earnings on restaurant and hotel net purchases and 1X reward earnings on all other eligible net purchases, plus get $75 cash back1 after your first purchase - all with a low annual fee.
2 Late payments and going over the credit limit may damage your credit history
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.
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below to learn more about each product's features and benefits and submit your application today!
For more information, please stop by your local Spectrum branch, or call us at 510-251-6000 or toll-free 800-782-8782.
To report a lost or stolen card 24 hours a day, please call toll-free 866-633-9958. If you are outside of the United States, call us collect at 701-461-1878.