Starter Credit Card

Ready for your first credit card?

The Starter Card rewards you for learning about credit and paying your bills on time.

(The #1 way to build good credit!)

P.S. Get up to $40 in cash back rewards your first year!2

Better Cash Back

  • Get up to $30 when you pay your bill on time2
  • Win $10 for playing the Credit 101 Trivia Game2
  • Cash back deposited directly into your account

Credit Building Tools

  • Free credit monitoring and reporting
  • Mobile spending controls
  • Receive text alerts including credit tips and payment reminders

Apply Now 👉

Easy to Apply

No cosigner required • No deposit needed • Low rate

Provide some information and an employee from our closest branch will help you get started.

1 Click here for SMS messaging details.
Click here to view our Privacy Policy.

We asked young adults to share their thoughts about the Starter Card.

“I wanted to get a credit card now and set myself up for the future.”

“It teaches you the right way to use your credit card.”

“…learning about credit, cash back, paying on-time…”

“…finally a card that incentivizes for the right behaviors!”

1 Message and Data rates may apply. You may receive up to 4 texts or emails per month. You can opt-out at any time – simply text ‘STOP” at any time to discontinue receiving texts. To stop receiving emails simply click on the unsubscribe.

2 Offer valid for members or applicants that qualify for membership and open a new Visa® Low Rate card account (subject to credit approval) using promo code Credit101. Upon opening the Visa® Low Rate card with promo code Credit101, you will receive instruction for completing CommunityAmerica’s Credit1010 quiz via your mobile phone. Standard text messaging rates and data charges may apply. To qualify for the $10 credit, you must complete the Credit101 quiz and be in good standing with CommunityAmerica at the time of the $10 deposit. The $10 credit will be deposited into your membership Savings account within 60 days of completing the quiz. Limit one $10 deposit per member. $10 credit may be subject to IRS tax reporting. Upon opening the Visa® Low Rate card account with promo code Credit101, you can earn $5 a month and up to $30 max, for on-time monthly payments made in your first 6 billing cycles. To qualify for the $5 credit, the payment must be made by the payment due date shown on your billing statement and must be greater than $0 and greater than or equal to the minimum payment due on your account. Each $5 credit, up to $30 max, will be deposited into your membership Savings account within 60 days of the on-time payment. You must be in good standing with CommunityAmerica at the time of the $5 deposit. Offer ends 12/31/2021 and is subject to change without notice. Limit six $5 deposit (max $30) per member and per qualifying Visa® Low Rate card account. The $5 credits may be subject to IRS tax reporting. See Important Credit Card Disclosures for more information on the Visa® Low Rate credit card, including rates and fees.

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