Credit Cards

Credit that offers convenience & control.

Earn cash back and enjoy competitive rates while managing your purchases with confidence. Vibe offers digital convenience, easy card controls, and local support that puts you first. Choose the card that matches your lifestyle and make every transaction work harder for you.

Enhance your everyday spending with a Vibe Visa® CashRewards or Platinum Credit Card.

APR1 as low as
13.00%

Take the Next Step in your Credit Journey.














Special Offer for New Vibe Visa® Cards

Receive 0% APR for 12 months2 on transferred balances when you open a new Vibe Visa® Credit Card.
  • Limited time offer. Available for 60 days after card opening

  • Lower your monthly payment. Combine your balances into one easy payment

  • Pay off debt faster. Save on interest so more of your payment goes towards your balance


1 APR = Annual Percentage Rate. Rates subject to change at any time. 2 Promotional APR is valid on new Visas® only and for 12 billing cycles from the date of the first balance transfer. After the promotional period ends, the APR will revert to the standard variable rate, which is based on creditworthiness and disclosed at account opening. Transferred balances and cash advances made during the promo period are subject to a 4% fee. New purchases will incur interest from the transaction date at the standard APR. Cash advances are not eligible for this offer. Balance Transfer promotion is only available for balance transfers on new credit cards for the first 60 days from the open date. Offer is subject to credit approval. Terms and conditions are subject to change without notice. Restrictions apply. New members must meet eligibility requirements and deposit a minimum of $5 into a Vibe Savings Account to establish membership. 


Vibe Visa® CashRewards Credit Card

  • Variable rate as low as 16.00% APR

  • Earn unlimited 2% cash back on qualifying purchases

  • No annual fee and no cash advance fee

  • Card control access in Online and Mobile Banking

  • Tap to Pay and mobile wallet compatibility

  • Instant issue in-branch or by mail

  • Visa® Auto Rental Insurance coverage

Variable APR applies to purchases, balance transfers and cash advances. Subject to foreign transaction fee (1.5%) and late fee ($25). Approval and rate are based on individual credit history. Rates are subject to change.  Cardholders will earn 2% cash back for every one dollar (US Dollar) in eligible net purchases made with the Vibe CashRewards Credit Card rounded to the nearest whole cent. “Net Purchases” is defined as the number of qualifying purchases in the statement cycle less any credits, returns, or adjustments posted in the statement cycle. View full terms and conditions here:  VibeCashRewards  Visa  Credit  Card  Disclosure 

Vibe Visa® Platinum Credit Card

  • Variable rates as low as 13.00% APR

  • No annual fee and no cash advance fee

  • Card control access in Online and Mobile Banking

  • Tap to Pay and mobile wallet compatibility

  • Instant issue in-branch or by mail

  • Visa® Auto Rental Insurance coverage

Variable APR applies to purchases, balance transfers and cash advances. Subject to foreign transaction fee (1.5%) and late fee ($25). Approval and rate are based on individual credit history. Rates are subject to change.  


Build Strong Credit Habits

 
Explore quick, helpful guides on using credit wisely, managing debt, and building the kind of credit that opens doors. One smart step at a time. 
Debit Card
Using Credit Cards
Managing Debt
Building Credit

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"I was contacted instantly after applying and approved the same day. This was more than I even expected!"
Savannah K.












Credit Cards, Made Simple

A credit card lets you borrow money to make purchases and pay it back later, while a debit card pulls money directly from your checking account right away. With a credit card, you can build credit and have extra protections, but you’ll want to pay your balance in full to avoid interest. A debit card keeps you spending only what you already have.

A credit limit is the maximum amount you’re allowed to borrow on your credit card. Think of it as your spending “ceiling.”

It’s determined by factors like your credit history, income, existing debts, and how well you’ve managed credit in the past. Lenders use this information to decide how much they can safely offer you while keeping your payments manageable.

To make a credit card payment, you can simply log in to Online or Mobile Banking and make it right within our digital banking platforms. If you need assistance, you can reach out to our Connection Center at 248-735-9600.
If you only make the minimum payment, your account stays in good standing but it will take much longer to pay off your balance, and you’ll pay more in interest over time. The minimum keeps your card active, but paying more whenever you can helps reduce your balance faster and save money. 
Using your credit card responsibly can help your credit score. Things like paying on time and keeping your balance low are positive signals. On the other hand, carrying high balances, missing payments, or maxing out your card can hurt your score. Our advice is to always pay on time and try to keep your balance well below your limit for the best impact. 
 
A good rule of thumb is to keep your credit utilization under 30%, which simply means using less than 30% of your available credit at any given time. This shows lenders you’re managing your credit wisely.
Both cards offered at Vibe have a similar fee structure including no annual fee and no cash advance fee. There is a standard foreign transaction fee of 1.5% and a $25 late payment fee, so we always encourage members to do their best to make their payments on time.
If you notice any unauthorized charges, we ask that you contact us immediately so we can help with next steps. The best contact number for our Connection Center is 248-735-9500.
If your card is lost or stolen, contact us immediately at 248-735-9500. We can block your card to prevent fraudulent use, check transactions to ensure the card has not been used, and also get a new card ordered for you as quickly as possible.