Thinkwise Credit Union Credit Cards
Thinkwise Credit Union Credit Cards

Credit cards that fit real life.

Whether you want rewards, cash back, a lower fixed rate, or a way to build credit, Thinkwise Credit Union has a card designed for you — all with no annual fee.

Apply Now Compare Cards
Gold Points Earn 1 point per dollar on eligible purchases for travel, gift cards, and merchandise.
Cash Rewards Earn 2% cash back* on eligible purchases with automatic monthly redemption.
Low-Rate Platinum Fixed rate as low as 8.99%* with no annual fee and credit limits up to $25,000.
Build Credit Secured Gold Points and Secured Cash Rewards options are available for members building or restoring credit.
Thinkwise Credit Union Gold Points card Thinkwise Credit Union Cash Rewards card Thinkwise Credit Union Platinum card
Compare Your Options

Which Thinkwise card is right for you?

Gold Points card
Travel & rewards

Gold Points VISA®

1 point per $1
Best for members who want points they can use toward travel, gift cards, or merchandise.
  • Annual fee: None
  • Credit limit: Up to $25,000
  • Grace period: 28 days on purchases
  • Extra perks: Warranty Manager Service and Auto Rental Collision Damage Waiver
  • Secured version: Yes
Apply for Gold Points
Cash Rewards card
Everyday spending

Cash Rewards VISA®

2% cash back*
Best for members who want simple rewards with monthly automatic redemption.
  • Annual fee: None
  • Credit limit: Up to $25,000
  • Redemption: Automatically each month
  • Payout options: Statement credit or selected account
  • Secured version: Yes
Apply for Cash Rewards
Platinum card
Low-rate option

Platinum VISA®

As low as 8.99%*
Best for members who want a dependable, low fixed-rate card for everyday purchases.
  • Annual fee: None
  • Credit limit: Up to $25,000
  • APR: Fixed rate as low as 8.99%*
  • Grace period: 28 days on purchases
  • Secured version: Not available at this time
Apply for Platinum
Shared Benefits

Strong everyday value no matter your card choice.

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No annual fee

Keep more money in your pocket.

✓

Protection against unauthorized transactions

Peace of mind with every purchase.

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Accepted worldwide

Travel made simple.

⌁

Tap/contactless payments

Fast, secure tap-to-pay convenience at millions of locations — no need to swipe or insert your card.

Credit Building Advantage

Need to build or restore credit?

Build or rebuild your credit with confidence using a secured Gold Points or Cash Rewards card, with deposits starting as low as $250. As you demonstrate responsible use and on-time payments, you may become eligible to graduate to an unsecured card with increased flexibility, higher limits, and continued rewards benefits.

1
Start with a secured option
Members who are building or restoring credit can apply for a secured Gold Points or secured Cash Rewards card.
2
Use the card responsibly
Members get the convenience of everyday spending while establishing or rebuilding credit history.
3
Keep the rewards
Unlike many basic credit-builder products, these options still keep the rewards-focused positioning of the broader lineup.
Ready to apply for a new card?

Simple, flexible ways to get started.

Apply in minutes and choose the option that works best for you—online, in branch, or by phone.

1
Apply online in minutes
Start your application anytime through our secure online portal for the fastest experience.
2
Apply in branch or by phone
Prefer a personal touch? Visit a branch or call us at (909) 882-2911 and we’ll guide you through the process.
3
We’re here to help
Not sure which card is right for you? Our team can help you choose the best option based on your goals.

Find the Thinkwise card that fits your goals.

For more information, click here to see our disclosures and agreements. *Cash back restrictions apply. Rates are subject to approval.