Credit Cards at Blue
We empower members to tap into the full potential of their money, life, and community.
Blue Is Your Partner for Life!
Blue offers four exclusive Visa® credit cards that don’t come with outrageous fees and rates. With all Blue cards, you’ll enjoy:
No Annual Fees
Attractive Rates
Credit Management Tools
as low as
11.75%
APR**
Pathways Credit Card
as low as
13.75%
APR**
Everyday Rewards Credit Card
as low as
13.75%
APR**
Cash Back Credit Card
*Annual Percentage Yield. **Annual Percentage Rate. Rates subject to change at any time.
Credit Cards
Pathways Credit Card
At a Glance:
Keep it simple with our lowest-rate credit card—a great rate that helps you build credit and save more.
Key Benefits:
Tap to Pay Technology
Free Credit Score Check and Education
0% Balance Transfer APR** (within 120 days) for 12 Months with a 3% fee.
Everyday Rewards Credit Card
At a Glance:
Earn rewards for every day purchases!
Welcome Bonus: 15,000 points ($150 value) after spending $1,000 in the first 90 days.
Key Benefits:
- Earn 4x points on Streaming/Digital Subscriptions
- Earn 3x points on Bills (Utilities, Mobile, Internet)
- Earn 2x points on Dining, Gas, and Groceries
- Earn 1x points on all Other Purchases
- Tap to Pay Technology
- Free Credit Score Check and Education
- 0% Balance Transfer APR** (within 120 days) for 12 Months with a 3% fee.
Cash Back Credit Card
At a Glance:
Earn cash back on every dollar you spend!
Welcome Bonus: Receive $200 after spending $1,500 in the first 90 days.
Key Benefits:
- Earn 1.50% on all purchases
- NOVA Perks™ Subscribers Earn 2.00%
- Tap to Pay Technology
- Free Credit Score Check and Education
Business Rewards Credit Card
At a Glance:
The credit card to boost your business and ignite your dreams!
Welcome Bonus: 20,000 points ($200 value) after spending $1,500 in the first 90 days.
Key Benefits:
- Earn 3x points on Gas, Travel, Dining, Office Supplies, and Bills (Utilities, Mobile, Internet)
- Earn 1x points on all other purchases
- Tap to Pay Technology
- Free Credit Score Check and Education
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.
See Full Comparison
View Comparison
| Pathways | Everyday Rewards | Cash Back | Business Rewards | |
|---|---|---|---|---|
|
Rate As Low As |
11.75% APR** |
13.75% APR** |
13.75% APR** |
13.75% APR** |
|
Base Back 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 |
For Cardmembers
BlueCC Desktop and Mobile App
Our Blue Credit Card App is designed to empower our members to manage their Blue credit cards with confidence and ease. From conveniently making payments to reporting a lost or stolen credit card, the BlueCC platform empowers you to handle it all!
Access the online web application and view tutorials using the links below, or download the mobile app and get started today!
Download the App
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
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
Frequently Asked Questions
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
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.
There is a balance transfer fee which is 3.00% of the transaction amount or $5.00, whichever amount is greater.
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.
There is a balance transfer fee which is 3.00% of the transaction amount or $5.00, whichever amount is greater.
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 Increases
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
Credit Card Management
Q: How do I manage my credit union credit card?
A: Members can manage it through the BlueCC portal.
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.
Disclosure
**Annual Percentage Rate (APR). This APR will vary with the market based on the Prime Rate. The APR is subject to change quarterly on the first day of the billing cycle to reflect any change to the prime rate as of the 15th day of the previous month. Your rate may be different based on individual credit worthiness and our underwriting standards. Rates are subject to change. This is a 0.00% introductory APR for the period of 12 billing cycles for balance transfers. This introductory offer is only available for 120 days from card being opened. Membership and credit qualifications required.