Community Financial Credit Cards
Low-rate, high-reward credit cards with no annual fees for a truly rewarding experience!
Card Activation & PIN
To activate your credit card, please call (800) 631-3197 from your primary phone number.
To create or change your PIN number, please call (888) 886-0083 from your primary phone number.
Ditch the interest.
Get introductory 0% APR for a whole year’s worth of billing on balance transfers completed between January 1 and March 31, 2025!*
As a not-for-profit financial institution, we’re always working to find ways to help our members get ahead. So, for limited time, you can transfer the balance (and the interest-payment-pain) off your big bank credit cards to your Community Financial Mastercard and get a holiday on those interest payments for 12 whole billing cycles. That’s like a year of no interest payments on transferred balances! Huzzah!
3 ways to do it!
- Transfer your balances through digital banking…
- Or call our Care Center at (877) 937-2328…
- Or visit a branch!
*APR = Annual percentage rate. Enjoy 0% Annual Percentage Rate (APR) for a period of 12 billing cycles on balance transfers made between January 1, 2025 and March 31, 2025. After 12 billing cycles, APR will adjust to normal purchase rate of 8.99%-24.99% APR based on your cardholder agreement. Purchases are not eligible for 0% offer. Transfers cannot be used to pay off existing Community Financial loans. Rewards do not apply to balance transfers. A balance transfer fee of 3% of the amount transferred will be applied. Call our Care Center at (877) 937-2328 for more details.
Extra Rewards All Season Long!
Earn bonus points or a statement credit!
Your regular spending earns you extra rewards from now until December 31, 2024!
Platinum Mastercard® holders can earn a $10 statement credit by spending $600, or a $20 statement credit by spending $800. Platinum Rewards Mastercard® holders earn 3x on qualifying purchases up to 3,000 points, and World Mastercard® holders earn a whopping 5x points on qualifying purchases up to 6,000 points!
Online and in-person restaurant, retail, and department store purchases qualify. Bonus points become available within 1 to 3 days after a qualifying purchase, while statement credits are automatically provided on February statements.
If you’re spending this season, get ready to rake-in the rewards! Huzzah!
Our Credit Card Options
Platinum Mastercard®
A simple, non-variable, and no-fuss card for building credit and taking care of the day-to-day.
Platinum Rewards Mastercard®
Hassle-free, but chock-full of rewards. Celebrate your spending just as much as your earnings.
World Mastercard®
Michigan is the best – but if your vacation takes you elsewhere, then do it in style.
Business Mastercard®
With supercharged points, the same old expenses are giving your business a bigger edge.
Benefits for all!
- No monthly, annual, or cash advance fees
- Easy card management through our digital banking app or web portal
- Digital wallet contactless payment, including Apple Pay® and Click to Pay
- Mastercard® Zero Liability Protection
- Mastercard® ID Theft Protection™
- Other handy security features, such as fraud alert texts
- Advanced controls for setting alerts and restricting usage
- Financial counseling and other learning resources
Your Card Supports...
Your credit card spending supports you, above all else! We’ve taken special care to offer credit card options that keep fees to a minimum while providing you with the best, most varied rewards possible.
Your credit card also supports Michigan, and our local communities. As a not-for-profit financial institution, we’ve dedicated ourselves to spreading care and inclusivity throughout our state. We want to make our shared areas a better place for all of us, and that’s being realized in many forms: educational support, housing initiatives, food banks, and a heck of a lot more.
Not to brag… but the full story of our local dedication is a good one. Our members are all Michiganders, after all. It’s a no-brainer to put them and the mitten state first!
Reimagined Rewards, Right Here
Use your new credit card for 10 purchases between 5/19 and 6/30 to earn extra bonuses!
Got a few rewards points burning a hole in your pocket? Put them to work, then! Community Financial credit card rewards are here, ready, and waiting for you to treat yourself. All that day-to-day spending you’ve already done now comes with a much wider selection of reward options! We could spend all day telling you about them here, but it’d be better if you took a look for yourself!
The Community Financial Emergence Credit Card
We’re here to support our members’ good times, but we’ll walk with them through the challenging stuff, too.
In the face of an emergency, we want to help our members give their full attention to the health and safety of themselves, their family, and loved ones – without having to focus on the financial impact as well. We never want our members to wonder whether they can afford to make it through a crisis. No matter the emergency, we’re here to help.
Community Financial Emergence Credit Card
- Automatically approved up to a $500 limit
- Approved regardless of credit rating, no previous credit needed
- No monthly, annual, or transaction fees
- Available as a fixed-rate Platinum Mastercard® or a variable-rate Platinum Rewards Mastercard®
- The same security and management features included with other Community Financial credit cards
FAQ
Fraud Alert
Community Financial will never contact you asking for personal, account, or card information. Please do not give out sensitive information to anyone who contacts you.
We take the security of your account(s), information, and finances seriously. We will never call, text, or email you asking for personal or account information such as card number, PIN, security code, login information, etc.
If you believe that you’ve been contacted fraudulently or would like to confirm the legitimacy of any contact that you’ve received, please contact our Care Center at (877) 937-2328 or visit a branch location.
Disclosures
View the Community Financial Mastercard® Credit Card Rate Disclosure here.
View the Community Financial Mastercard® Cardholder Agreement here.
