Credit Cards


Take advantage of low rates on purchases and balance transfers

Money-saving rates are a given with CoastHills Visa® credit cards. Whether you're making purchases or transferring balances from cards with higher rates, you'll find the right card for your needs. And they all include plenty of other perks, too.

Platinum Rewards Visa


Our Platinum Rewards Visa credit card is a great option no matter where you are in life.

  • No annual fee
  • Credit lines up to $25,000

Encore Visa Signature


Triple points for travel purchases. Double points for dining out. With the Encore Visa Signature, you can accumulate rewards quicker.

  • 24/7 Visa Concierge Service*
  • Visa Signature Luxury Hotel Collection
Platinum Rewards Visa®

Encore Visa Signature®

Annual Fee $0 $0
Card overview

1 point per $1 spent

3x points on travel
2x points on dining and take-out
1x point on everything else

New cardholder offer1

Earn 25,000 bonus points when you spend $2,500 in the first 60 days. (New cards only)

Earn 25,000 bonus points when you spend $2,500 in the first 60 days. (New cards only)

Using your points

Redeem points for cash, travel, merchandise and more!
Points never expire.

Redeem points for cash, travel, merchandise and more!
Points never expire.

Annual Percentage Rate (APR)2

Low variable rate.

Low variable rate.

Credit Limit $500-$25,000 $5,000-$50,000
Relationship Rewards 1 point 2 points
Balance Transfer Fee $0 $0
Intro 3.99% APR Balance Transfer for 6 mo.3
Visa's Zero Liability Policy4
No transaction denials
24/7 Visa Signature Concierge service5
Visa Signature Luxury Hotel Collection
Protection against hotel theft and lost luggage6

Credit Card Resources 

We want your experience to be worry-free. When you have questions or require assistance, you can easily contact our Visa partners.

  • View key phone numbers
  • Learn more about fraud protection

Visa Balance Transfer

A great way to save money is to transfer balances from high-interest credit cards to your CoastHills Visa.

Also included with all CoastHills Visa Credit Cards:

  • Compatible to use with Apple Pay and Google Pay
  • No cash advance fees at CoastHills locations
  • No international fees for use outside the U.S.
  • Emergency cash and card replacement
  • EMV chip for enhanced security
  • Account alerts by text/email

CoastHills Credit Union is a full-service financial institution with 12 Central Coast locations throughout Santa Barbara and San Luis Obispo counties.

1 May take up to 100 days to receive bonus points. Speak to a Member Services Officer for details.
2 APR= Annual Percentage Rate. Your APR will be calculated using: Prime Rate + Margin of 2.24% to 9.74%, based on your credit worthiness. Not to exceed 17.99%. All applications are subject to credit approval. All rates are subject to change without notice.
3 APR= Annual Percentage Rate. 3.99% intro APR for 6 months from the date of first transfer. Existing CoastHills Visa balances not eligible for balance transfer APR. After the intro APR expires, your APR will be calculated using: Prime Rate + Margin of 2.24% to 9.74%, based on your credit worthiness. Not to exceed 17.99%.
4 Visa's Zero Liability policy does not apply to unauthorized transactions on prepaid cards for which the issuing financial institution has not collected the cardholder's personal information prior to the transaction or to certain commercial card transactions. Cardholders must use care in protecting their card and notify their financial institution immediately of any unauthorized use. Cardholders should contact their issuing financial institution for additional details.
5 CoastHills Encore Visa Signature Credit cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders' behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com.
6 When you use your Encore Visa Signature card to purchase the entire cost of any common carrier passenger fare worldwide, or any hotel/motel room in the United States or Canada, you are eligible to be reimbursed for amounts actually paid by you (up to $3,000 for lost luggage and up to $500 for hotel theft) to replace the personal property that sustained physical loss or damage or at the result of a burglary from your hotel/motel room. Exclusions include animals; perishables; cameras and accessories; eye glasses and contact lenses; prosthetic devices including dentures and hearing aids; tickets; valuable papers and documents; credit and debit cards; securities; money; art; electronic equipment; business items; precious metals; stones or gems other than personal jewelry.
Within 24 hours of loss, theft or damage, report to the appropriate official such as police or hotel proprietor. Call 1-(800) 252-4670 to submit a claim within 45 days after a covered loss occurs. Upon notification, claim forms will be provided within 15 days which must be returned with proof of loss. Reimbursement will be paid within 60 days after proof of loss.

* CoastHills Encore Visa Signature credit cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders' behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com.

*Subject to credit approval. Some restrictions may apply.

FAQs

Your questions answered


You can view your rewards points balance from the home screen within your credit card payment portal. 

To access this, you'll need to log in to CoastHills Online Banking, select Additional Services, then Credit Cards. From there, you'll be taken to your credit card payment portal. 

To redeem your rewards points, you'll select View Rewards from the home screen within your credit card payment portal. You'll be taken to the ScoreCard rewards site, where you can shop and redeem your rewards points.

If your debit or credit card has been blocked, please contact Falcon Fraud at (855) 961-1602, or if you are unsure if your card has been blocked for fraud, give us a call at (805) 733-7600 or visit one of our 12 local branches.

You may purchase foreign currency by calling our Call Center at (805) 733-7600. 

Once the order has been placed, major currencies like Euros, Canadian Dollar, English Pounds, etc. will arrive in 1-3 business days. All other currencies considered to be exotic may take an additional day.

You can report your card lost or stolen and order a replacement from within Online and Mobile Banking. 

From within Online Banking:
After logging in, select Additional Services then Card Management.

From within Mobile Banking:
After logging in, select More from the bottom right corner then Card Management at the top of the page.

Or you may give us a call at (805) 733-7600.

Here to help

No matter your inquiry, give us a call at (805) 733-7600, or use one of our other convenient contact methods.