Which Capital Credit Union Credit Card Is Right for You?

When used responsibly, paying with a credit card instead of your debit card or cash can benefit you in many ways. Credit cards often come with rewards, such as cashback on purchases, frequent-flyer miles, points that can be used toward purchases or paying off your credit card balance, and even a sign-on bonus for opening a new credit card.

With so many available features, it can be difficult to decide which card is the best option. However, a little research and forethought can help you consider your lifestyle, needs, and spending habits and choose the right card for you.

It’s also vital that you apply for your card from a financial institution you can trust. When you choose a Capital Credit Union credit card, you get both security and benefits that can help your money go further. You can start by deciding which CCU credit card is right for you. How do you do that? Our experts can help you navigate picking the best credit card to fit your personal financial needs.

Let’s Review the Capital Credit Union Credit Cards in Detail

Capital Credit Union offers eight different personal-use credit cards to choose from, each with its own features. That makes finding the right fit for you easy. All you have to do is choose the card with the benefits that match your needs.

1. Platinum Card

The Platinum Card was built for those who need to make a large purchase, whether it’s something planned or to help cover unexpected emergency bills. You can also use this card to transfer balances from high-interest cards and then pay them off much faster. The Platinum Card comes with a generous 18 months of zero interest on both balance transfers and purchases.

This card is not meant for those who wish to earn rewards and cash back on purchases, as this is not a rewards card. There is no annual fee, however, making this card a great option to have on hand for emergencies.

2. Everyday Rewards+ Card

With up to 4x rewards points for everyday expenses, the Everyday Rewards+ Card is perfect for the everyday user. Rewards can be earned when dining out or ordering delivery, on shopping trips, for grocery delivery, when fueling up your vehicle, or when using electric charging stations. You even earn rewards when paying for your preferred streaming services.

With your rewards points, you can get cash back, use points for discounts on travel and merchandise, or purchase gift cards with your points. There is no annual fee and no interest for six months.

3. Max Cash Preferred Card

With the Max Cash Preferred Card, you can customize your cash-back earnings to match your spending habits by selecting the categories of spending for which you earn cash. Earn up to 5 percent cashback on your selected categories and have the funds deposited directly into your checking or savings account. You can use rewards to pay off your card balance or have the earnings put onto a rewards card for you to use. The choice is yours!

There is no annual fee, and you can choose to transfer balances to this card with zero interest for 12 months on transfers. The APR* for new purchases and on balance transfers after the first year is based on creditworthiness.

4. Travel Rewards+ Card

The Travel Rewards+ Card is meant for those who travel often. With up to 4x rewards points for travel purchases, fuel, charging stations for your vehicle, entertainment, and recreation purchases, this card is perfect for those who like to explore the world.

There is a zero-dollar annual fee for the first year and then a $99 annual fee thereafter. The APR* is applied to both purchases and balance transfers with this card and is based on creditworthiness.

5. Reserve Rewards+ Card

The Reserve Rewards+ Card is an exclusive card with premium benefits, including up to 6x rewards points earned on purchases and up to $240 in credits on purchases for sports, fitness, personal care, entertainment, dining, and streaming services. You also get access to airport lounges with complimentary Priority Pass™, a $100 travel credit, and up to $100 in credits for TSA Pre-Check and Global Access applications.

This card has a $390 annual fee, and the APR* is based on creditworthiness and applies to both purchases and balance transfers.

6. College Real Rewards Card

The College Real Rewards Card is perfect for those just starting to build their credit history. After your first purchase on this card, you earn 2,500 reward points as a bonus! As you spend, you will earn unlimited reward points that won’t expire for five years. Earn 1.5x rewards on eligible purchases, and use your rewards for cash, travel, merchandise, or gift cards. You will also have access to financial tools to help you in your financial future.

There is no annual fee and zero percent interest for six months on purchases and balance transfers. After the initial six months, the APR* is based on your creditworthiness.

7. Max Cash Secured Card

Build a strong credit history by using the Max Cash Secured Card. Your credit limit will be equal to your security deposit, so you don’t have to worry about overextending while you build a strong credit history and enjoy the bonus of earning rewards for your spending. Earn up to 5 percent cash back on eligible purchases, which you can then redeem for cash or statement credits.

A minimum security deposit of $300 is required to open this account. This card has no annual fee.

8. Secured Card

For those who need to re-establish a credit history, this is the perfect card for you. This card requires a minimum security deposit of $300 to open the account. With free credit score access, you can watch your credit score increase as you spend and pay down your balances each month. This card has no annual fee.

We can make choosing the Capital Credit Union credit card that is right for you even easier with this quick quiz. It will help point you to the best card for your spending habits and rewards preferences. When you are ready, apply for your CCU credit card online and start enjoying your rewards!

*APR = Annual Percentage Rate. Note that any introductory APRs will increase after the introductory period ends, and the new APR will be based on the current Prime Rates, which you can monitor daily.

The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Subject to applicable law, you may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

1 IMPORTANT CHANGE: Effective April 22, 2025, you will earn 3 Points (4 Points total) for every $1 on your first $2,000 each quarter on restaurant, fast-food restaurant or bar purchases. You will earn 1 additional Point (2 Points total) for every $1 on purchases in the following categories: grocery store and supermarket (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart); gas station and electric vehicle charging station (excluding wholesale clubs, discount stores/supercenters and grocery stores/supermarkets)

2 If you’re approved for a new Max Cash Preferred Card, a one-time $150 bonus will be awarded for redemption after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

3 Maximum Point value applies to points redeemed as a cash deposit into an eligible checking or savings account with this Financial Institution. The redemption value may be different if you choose to redeem your points for other rewards such as travel, merchandise, gift cards, and/or a statement credit. Other restrictions apply. Minimum redemption amounts may vary and are subject to change without notice.

4 If you’re approved for a new Everyday Rewards+ Card, a one-time 15,000 bonus points ($150 value) will be awarded after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

Maximum Point value applies to points redeemed as a cash deposit into an eligible checking or savings account with this Financial Institution. The redemption value may be different if you choose to redeem your points for other rewards such as travel, merchandise, gift cards, and/or a statement credit. Other restrictions apply. Minimum redemption amounts may vary and are subject to change without notice.

5 Max Cash Preferred Card and Max Cash Secured Card: Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. IMPORTANT CHANGE: Effective April 22, 2025, all purchases in the following everyday categories: Grocery Stores/Grocery Delivery and Gas Stations/EV Charging Stations at wholesale clubs and discount stores/supercenters such as Target and Walmart will only earn 1%. A purchase will not earn additional cash back if the merchant's selected code is in a category that is not eligible for additional cash back earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional cash back. Upon approval, full details will be provided in your Cardmember Agreement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within 1-2 statement billing cycles or as a Rewards Card. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice. Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.

IMPORTANT CHANGE: Effective April 22, 2025, all purchases in the following everyday categories: Grocery Stores/Grocery Delivery and Gas Stations/EV Charging Stations at wholesale clubs and discount stores/supercenters such as Target and Walmart will only earn 1%

6 Late payments or going over the credit limit may damage your credit history. Your credit limit will be equal to the amount of your security deposit.

7 Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice.

8 Travel Rewards+ Card: You will earn 1.5 Points for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 2.5 Points (4 Points total) for every $1 in eligible net purchases during each billing cycle from merchants classified in qualifying travel (such as purchases made directly from airlines, hotels, car rental companies, taxicabs, limousines, passenger trains and cruise line companies), gas station, electric vehicle charging station, entertainment, and recreation category codes. IMPORTANT CHANGE: Effective April 22, 2025, you will earn 2.5 Points (4 Points total) for every $1 in eligible net purchases during each billing cycle from merchants classified in qualifying travel (such as purchases made directly from airlines, hotels, car rental companies, taxicabs, limousines, passenger trains and cruise line companies), gas station, electric vehicle charging station (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), entertainment, and recreation category codes. Additional Points for Entertainment and Recreation purchases are dependent on how merchants choose to classify their business. Merchants classified as Entertainment include: most cinemas, theme parks, concert venues, professional sports venues, and qualifying ticket sellers. Merchants classified as Recreation include: sports and recreation facilities that charge membership fees, sporting goods stores, public golf courses, fitness centers, dance studios and schools, and ongoing fitness subscriptions. Purchases from third parties and consultants at these locations may not qualify. A purchase will not earn additional Points if the merchant's selected code is in a category that is not eligible for additional Points earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional Points. Points expire five years from the end of the quarter in which they are earned.

9 If you’re approved for a new Travel Rewards+ Card, a one-time 25,000 bonus points will be awarded after eligible net purchases totaling $2,000 or more are made to your account within 120 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.

10 Reserve Rewards+ Card: You will earn two (2) Points for every $1 dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn four (4) additional Points (6 Points total) for every $1 in eligible Net Purchases spent on airline tickets, car rental, and hotel reservations booked directly in the Rewards Center using your rewards credit card instead of Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Points expire five years from the end of the quarter in which they are earned.

11 If you’re approved for a new Reserve Rewards+ Card, a one-time 50,000 bonus points will be awarded after eligible net purchases totaling $4,500 or more are made to your account within 90 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.