CREDIT CARDS
Credit Cards at Blue
Find the right credit card 1 for your life—low APR options, cash back, and rewards designed to help you spend smarter and reach your goals.
Everything You Need From a Credit Card
Simple, transparent credit cards with competitive rates, flexible options, and no unnecessary fees.
Pathways
A low-rate credit card designed to help you establish or strengthen your credit—without added complexity.
- Low APR to help you save on interest
- Great for building or rebuilding credit
- Simple, straightforward terms
Everyday Rewards
Turn daily purchases into points while enjoying competitive rates and added security.
- Earn points on every purchase
- Competitive APR
- Bonus points to get you started
Cash Back
Earn cash back on every dollar you spend—perfect for maximizing your everyday purchases.
- Unlimited cash back rewards
- Competitive rates
- Built-in security and protection
Business Rewards
Support your business growth with a card that earns rewards while managing expenses.
- Earn points on business purchases
- Competitive rates for business owners
- Expense management made easier
Cards that don’t come with outrageous fees and rates 1
Explore current rates across checking, savings, and loans — built to support your goals.
Pathways Credit Card
Everyday Rewards Credit Card
Cash Back Credit Card
Business Rewards Credit Card
Find Your Blue Visa® Credit Card Match
Answer a few quick questions to see which Blue credit card fits how you spend, save, and plan.
No impact to your credit. Just clarity.
Credit Card Features That
Work for You
Simple tools, built-in protection, and real value—on every Blue credit card.
No Annual Fees
Keep more of what you earn—no annual fee, no surprises.
Free Credit Score & Insights
Track your credit score and get helpful insights to keep moving forward.
Tap to Pay Technology
Fast, secure, and contactless—just tap and go.
Low Rates
Save on interest with rates designed to work in your favor.
Credit Card Comparison Chart
| Pathways | Everyday Rewards | Cash Back | Business Rewards | |
|---|---|---|---|---|
| Rate: as low as | 11.75% | 13.75% | 13.75% | 13.75% |
| Back Base Percentage | N/A | 1.00% | 1.50% 2.00% for NOVA Perks™ Subscribers | 1.00% |
| Accelerators | N/A | 4.00% on Streaming/Digital Subscriptions 3.00% on Bills (Utilities, Mobile, Internet) 2.00% on Dining, Gas, and Groceries | N/A | 3.00% on Gas, Travel, Dining, Office Supplies, and Bills (Utilities, Mobile, Internet) |
| Welcome Bonus | N/A | 15,000 Points ($150 value) after spending $1,000 in the first 90 days | $200 after spending $1,500 in the first 90 days | 20,000 Points ($200 value) after spending $1,500 in the first 90 days |
| Other Benefits | 0% Balance Transfer APR** (within 120 days) for 12 Months at a 3% Fee. Free Credit Score Check and Education | 0% Balance Transfer APR** (within 120 days) for 12 Months at a 3% Fee. Free Credit Score Check and Education | Free Credit Score Check and Education | Free Credit Score Check and Education |
Manage your card from anywhere.
The BlueCC app puts your credit card controls in your pocket — payments, alerts, lost card reporting, and more.
BlueCC App
Download the app and take control.
Download the BlueCC app for iOS or Android to get started.
Make Payments
Pay your credit card bill quickly and securely from the app, any time.
Report a Lost or Stolen Card
Lock your card or report it lost or stolen instantly — no hold music required.
Set Alerts & Controls
Get real-time notifications and set spending controls to stay on top of your account.
Already a cardholder?
Quick links to manage your account.
Check Application Status
Applied recently? Track the status of your credit card application online.
Rates & Fees
View current rates and fee disclosures for the Everyday Rewards Credit Card.
Credit Card Payoff Calculator
Find out how long it will take to pay off your balance and how much interest you’ll pay.
We’ve Got Your Back—Every Step of the Way
From everyday questions to unexpected situations, we’re here with the support, tools, and protection you need to use your credit card with confidence.
Lost or Stolen Card?
The moment you realize your credit card has been compromised, report it by calling us at 1-800-368-9328.
The faster you let us know, the faster we can help you resolve your fraud dispute.
Federal Trade Commission Contact Information:
If you suspect fraud, you can also file a report with the Federal Trade Commission for additional protection and guidance.
Call toll-free: 1-877-382-4357
TTY: 1-866-653-4261
Write to:
Federal Trade Commission Consumer Response Center
600 Pennsylvania Avenue, NW Washington, DC 20580
Questions or Need Help?
We’re here to help with anything from payments to account support—just reach out and we’ll take it from there.
Credit Card FAQs
Have questions about rates, authorized users, application processes, payments, or security? We’ve got answers to help you get the most from your Blue credit card.
Application Process
Q: How can I apply for a Blue Federal Credit Union credit card?
A: You can apply online, by calling 1-800-368-9328, or by visiting a Blue FCU branch.
Q: I have applied for a Blue Federal Credit Union credit card. How do I check for the current status of the application?
A: Click our Check Application Status here.
Authorized Users
Q: What is an authorized user?
A: An authorized user is someone who’s been added to a credit card account by the card’s owner, also known as the primary cardholder. The authorized user can make purchases with the credit card as if it were their own. However, the responsibility to pay any charges remains with the primary cardholder.
Q: Can I add an authorized user to my account?
A: Yes, you can add up to as many authorized users as the member would like. An authorized user can make purchases on your credit card account but isn’t an account owner. They aren’t financially responsible for the account, but we only notify the credit bureaus that they’re authorized to use your account, not a joint owner.
Q: What information do I need to add an authorized user to my account?
A: You’ll need to provide the authorized user’s Social Security Number, Date of Birth, Address, and Name.
Q: How can I add an authorized user to my account?
A: Please contact us or visit a Blue Federal Credit Union branch.
Unauthorized Transactions
Q: What should I do if I find unauthorized transactions on my account?
A: The moment you realize your credit card has been compromised, report it by calling us at 1-888-918-7322. The faster you let us know, the faster we can help you resolve your fraud dispute.
Balance Transfers
Want to learn how balance transfers can help you save money and manage your finances more effectively. Visit our guide on understanding balance transfers here.
Q: Can I transfer balances from other credit cards to my Blue Federal Credit Union card?
A: Yes, this can be done in online banking. Select the ‘Credit Card’ -> ‘Select Full Access’.
You can also call us at 1-800-368-9328 and we can process the balance transfer over the phone.
Q: How do I transfer a balance from another credit card to my Blue Federal Credit Union card?
A: You can transfer the balances from other credit cards to your Blue credit card using our online banking system. Blue Digital. Select the Credit Card you would like to complete the balance transfer. This will open an additional tab for the full-access site. Select the Account Services tab and click on the Balance Transfer option in the drop-down menu.
You can also call us at 1-800-368-9328 and we can process the balance transfer over the phone.
Credit Limit
Q: How can I increase my credit limit?
A: This can be requested by calling 1-800-368-9328 or you can go into a branch to begin the limit increase application.
Security & Privacy
Q: How do I request a new or replacement card?
A: New or replacement cards can be requested by contacting 1-800-368-9328.
Q: How can I report a lost or stolen credit card?
A: The moment you realize your credit card is missing, report it by calling us at 1-800-368-9328.
Q: How do I set up or change my PIN?
A: Contacting 1-888-886-0083, you will need your card as you will be asked for information on the card and the SSN and DOB associated with the primary cardholder.
Rates & Payments
Q: What is APR?
A: APR (Annual Percentage Rate) is the rate of interest you’ll pay on your credit card annually.
Q: How is the variable APR for my credit card determined?
A: A variable APR is based on an index rate, in our case, it is the prime rate, which can change over time. As the prime rate changes, whether up or down, the APR adjusts. Most credit cards have a variable APR that works similarly. However, given that we prioritize our members’ financial health first and foremost, our rates tend to be lower than competitors. Your Blue FCU credit card variable APR is determined by your credit history.
Q: What are my options for making credit card payments?
A: Transfers within online banking, you can set up automatic payments by calling 1-800-368-9328 and MRCC can take payments over the phone, and Repay. Auto pay options can also be set up using the BlueCC platform.
Q: How do I setup Autopay to pay my balances every month?
A: The autopay option can be set by contacting the agent at 1-800-368-9328 or using the BlueCC platform
Managing Your Card
Q: How do I manage my credit union credit card?
A: Members can manage it through the BlueCC portal or view charges in Blue Digital.
Digital Wallet
Q. Can my Visa credit card be added to my Digital Wallet?
A. Yes! Add your Blue Visa credit card to your favorite digital wallet (Apple Pay, Google Pay, Samsung Pay) and experience a faster, safer, and simpler way to pay.
All rates effective as of:
Rates may be subject to change without notice.