Credit cards

Two cards. Zero games.

Most card lineups are designed to confuse. Ours is designed to be picked correctly in one paragraph: pay in full every month → Community Cash. Sometimes carry a balance → TrustLine. That's the whole decision.

Community Cash Card

Simple cash back, no games

Community Cash Card: the numbers
Term	Detail
Purchase APR	19.49% to 25.49% variable APR
Annual fee	$0
Rewards	1.5% cash back on everything; 3% at member-owned local businesses
Fraud liability	$0

Cash back lands in your savings automatically each month
No foreign transaction fees
No penalty APR: one late month doesn't reprice your whole balance
Instant card lock and real-time purchase alerts

The honest part: Rewards cards only win if you pay in full. If you carry a balance most months, the TrustLine card will save you more than 1.5% back earns.

Apply as a member

TrustLine Card

The lowest rate we can responsibly offer

TrustLine Card: the numbers
Term	Detail
Purchase APR	12.49% to 17.49% variable APR
Annual fee	$0
Rewards	No rewards. The low rate is the reward.
Fraud liability	$0

APR roughly 7 points below a typical rewards card
Free balance transfers in your first 90 days as a cardholder
Fixed payoff plans: split a big purchase into equal payments
Same instant lock, alerts, and $0 fraud liability

The honest part: No points and no miles, on purpose. If you sometimes carry a balance, a low rate beats any rewards program. That's just arithmetic.

Apply as a member

Why we push the "boring" card on balance-carriers

Worked example, so you don't have to take our word for it. Say you spend $1,000 a month and carry an average $3,000 balance:

Illustrative year: $1,000/mo spend, $3,000 average carried balance
Line item	Community Cash (1.5% back)	TrustLine (low rate)
Rewards earned	≈ $180/yr	$0
Interest at mid-range APR	≈ $674/yr (22.49%)	≈ $450/yr (14.99%)
Net cost of the year	≈ $494	≈ $450, and it wins by more as the balance grows

Illustrative simple-interest math as of October 2026, mid-range APRs. If you pay in full monthly, interest is $0 and Community Cash wins outright: that's the whole decision tree.

A credit union has no reason to sell you interest. If your balance is growing instead of shrinking, a real person will call, not to upsell, but to move you to the cheaper card or a fixed payoff plan. Our credit-score guide explains how that helps your score too.