Encore Visa Signature®

A card so good you'll want to use it again and again

The more you use your Encore Visa Signature card, the faster you can redeem points for travel services, entertainment experiences, merchandise and more. Earn 3x points on travel, 2x points on dining and 1x points on everything else. Plus, your travel will be enhanced with 24/7 Visa Concierge service1, the Visa Signature Luxury Hotel Collection and the relief in knowing you’re protected against hotel theft and lost luggage2.

  • Low variable rate3
  • No annual or balance transfer fees
  • Intro 3.99% APR4 on balance transfers for the first 6 months
  • Visa's $0 fraud liability policy means you're not held responsible for unauthorized purchases 5
  • Link to your smartphone for one-tap payments through Apple Pay and Google Pay
  • New cardholders receive 25,000 bonus points6 after spending $2,500 in the first 60 days of account opening. That's worth $250 in rewards.

Generous rewards

Earn triple points on your travel purchases and double points when dining out.

A big head start

Make $2,500 in card purchases in the first 60 days and earn 25,000 bonus points6.

Concierge service

Receive specialized treatment at your favorite luxury hotels.

Hotel theft and lost luggage protection

Your Encore Visa Signature includes extra protection when you travel

Feel secure

Visa card perks help protect you against ID theft, unauthorized purchases and other forms of fraud.

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

1 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.
2 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; eyeglasses 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.
3 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.
4 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%.
5 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.
6 May take up to 100 days to receive bonus points. Speak to a Member Services Officer for details.

*Subject to credit approval. Some restrictions may apply.


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 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.

Travel notes cannot be placed over the phone. To place a note on your account, you can send a secure message in CoastHills Online Banking or visit a CoastHills branch. 

To send a secure message, log in to CoastHills Online Banking. Select Additional Services, then Secure Messaging. Underneath the search bar, you'll click New Message and complete the ticket.

For mobile, you'll select More from the bottom of your screen, then Secure Messaging. Click on New Message and complete the ticket.

Freedom Plus Checking

High-dividend, free checking loaded with fantastic perks.

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Here to help

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