credit cards
Pathways Credit Card
A low-rate card with no annual fee.
The Pathways Credit Card is built for members who want straightforward credit — no annual fee, a competitive rate, and tools to help you stay in control of your finances.
Annual Fee: $0
Rate: 11.75% to 18.00% APR**
Empowering You to Achieve Your Financial Goals
Balance Transfer
Transfer a balance from a high-rate card and pay 0% APR 1 for 12 months — for just a 3% balance transfer fee. Available for 120 days from card opening.
Low, Competitive Rate
Rates from 11.75% to 18.00% APR** — designed for members who want to carry a balance without the burden of a high rate.
Built to Help You Build Credit
A simple, low-rate card designed to help you establish or strengthen your credit over time.
Simple, No-Frills Approach
No complicated rewards to track—just a straightforward card that helps you stay focused on your financial goals.
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.
Simple, straightforward rates
No guesswork. Know your rate before you apply.
Pathways Credit Card
Everyday Rewards Credit Card
Cash Back Credit Card
See how fast you can pay it off
Use our Credit Card Payoff Calculator to estimate how long it will take to pay down your balance — and how much interest you’ll pay along the way.
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 Pathways 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.
Pathways Credit Card FAQs
Who is the Pathways Credit Card best for?
The Pathways Credit Card is ideal for members who want to build or strengthen their credit while keeping interest costs low. It’s a great option if you’re just starting out or focused on saving on interest.
What is the interest rate on the Pathways Credit Card?
The Pathways Credit Card offers one of Blue’s lowest APR options, designed for members who may carry a balance and want to minimize interest.
Does the Pathways Credit Card earn rewards?
This card focuses on low rates and credit building rather than rewards. If you’re looking to earn points or cash back, consider the Everyday Rewards or Cash Back Credit Card.
Is there an annual fee?
No—there is no annual fee, so you can build credit without added costs.
How does the balance transfer offer work?
New cardmembers can transfer a balance from another card and pay 0% APR** for 12 billing cycles. A 3% balance transfer fee applies. The offer is available for 120 days from the date your card is opened. After the introductory period, your standard APR applies.
How is this different from other Blue credit cards?
The Pathways card prioritizes low rates and simplicity, while other cards focus more on rewards and cash back.
How do I apply?
You can apply online, by calling 1-800-368-9328, or by visiting a Blue FCU branch.
Get Started
Ready to apply for your Pathways card?
No annual fee. A low rate. And tools to help you stay on track. Apply online in minutes — membership required.
All rates effective as of:
Rates may be subject to change without notice.