A credit card that’s always maximizing your rewards!
I want a card that earns unlimited hassle-free rewards across ALL purchase categories—every time, everywhere.
Benefits include:
Special Offer: Get a $100 account credit with $1,500 in purchases made in the first 90 days4
Only Available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico
Special Offer: Get $100 account credit when you make $1,500 in purchases in the first 90 days7
Only Available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico
A customizable rewards program is just the beginning.
I want a premium card built for my lifestyle.
Benefits Include:
Special Offer: Get 20,000 bonus points (redeemable for $200) when you make $2,000 in purchases in the first 90 days.10
Only Available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico
Secured by savings, but works just like a regular credit card.
I want the convenience of a credit card while I'm building or repairing my credit.
Benefits Include:
Only Available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico
Everyone uses credit cards differently. At CGF, we give you choices and options, so you can find the best card for you.
Our Rewards, ClearPoints, and Select credit cards come with these benefits.
Flexible Rewards
You can earn unlimited 2% rewards on all purchases with a monthly direct deposit to a CGF deposit account, when you have a CGF Rewards Card.2 You can earn unlimited 2% and 3% rewards in select categories you choose (and 1% rewards on all other purchase categories) with our CGF Build Your Own Rewards® feature available with our ClearPoints and Select credit cards6.
Competitive Rates
Keeping credit affordable is important to us. So we offer a variety of financial solutions to meet your needs. We have solutions for those looking to build their credit or seeking rewards for purchases. Ask us about the best card for you.
Additional Visa Benefits
Accepted at nearly 30 million spots around the globe, Visa gives you unsurpassed access, purchasing power, and flexibility.
Peace of Mind
Get security features including the ability to temporarily block and unblock your card anytime, anywhere and receive transaction alerts whenever your card is used with the CGF Wallet app. Plus, get the added security of Visa Zero Liability protection.*
Easy Ways to Pay
Everyone pays differently. With our cards, you can enjoy the ease of having your monthly payment auto debited from your CGF checking account. You can also pay online, by mail, or in person.
All credit cards subject to approval including credit approval.
1CGF Rewards Card: Intro Purchase APR: 0.00% through the end of the 13th billing cycle after the account is opened for all Purchases posted to the account within the same period. Intro Balance Transfer APR: 0.00% through the end of the 13th billing cycle after the account is opened for all Balance Transfers requested within 60 days of account opening. After those introductory time periods, Purchase APR and Balance Transfer APR: 12.74% to 30.74% variable, based on creditworthiness. Balance Transfer Fee: Either $10 or 4% of the transaction amount, whichever is greater. Cash Advance APR: 23.74% to 30.74% variable, based on creditworthiness. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. If you take advantage of any promotional offer for Balance Transfers, Convenience Checks, or Cash Advances, you may lose your grace period on new purchases because you must pay your monthly payment plus any balance(s) created by promotional offers, by the payment due date to avoid interest on Purchase transactions. Foreign Transaction Fee: 3% of each transaction in US dollars. Minimum Interest Charge: $1.
2CGF Rewards Program: CGF Rewards Cards automatically earn 1.5 Base Points per $1.00 of net purchases. In addition to Base Points, CGF Rewards Cardholders can earn Relationship Rewards Points at a rate of one half (0.5) point for each $1.00 of net purchases (for a total of 2 points per $1.00). To be eligible for Relationship Rewards Points, you must receive direct deposits (from third parties) totaling $1,000.00 or more in a calendar month to your CGF consumer checking, savings or money market account. Eligibility for Relationship Rewards Points is assessed monthly, and Relationship Rewards Points will be applied to purchases made the following month with your CGF Rewards Card. To qualify to earn points, a purchase must be made with your CGF Rewards Card and processed or submitted through the Visa U.S.A. Inc. payment system. The following do not qualify as purchases: payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, finance charges, and related service charges, if any apply), purchases of prepaid cards or reloadable cards such as certain gift cards, purchases of quasi-cash items (for example, casino chips), purchases of cash equivalents or payment instruments that can readily be converted to cash (for example, travelers' cheques, money orders, wire transfers, and similar products or services), or purchases made using a Personal Identification Number (PIN) or initiated through identification technology that substitutes for a PIN.
3Redemptions through a CGF Wallet transaction alert can only be conducted within 24 hours of receiving a transaction alert. Alerts for card transactions and reward redemption are subject to service availability to your mobile device and cannot be guaranteed by CGF. Alerts are subject to merchant billing practices and may not be received until your card is charged for the purchase price. 100 points is the minimum amount that can be redeemed in Wallet.
4Special Offer for CGF Rewards Card: $100 account credit offer not available to existing CGF credit cardholders. Offer applies to accounts open between 4/1/18 to 7/31/18 . $1,500 in purchases must be made within 90 days of account opening to be eligible for the $100 account credit. Account must be open and in good standing at the time account credit is awarded to receive the account credit. To qualify to get account credit, a purchase must be made with your CGF Rewards Card and processed or submitted through the Visa U.S.A. Inc. payment system. The following do not qualify as purchases: payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, finance charges, and related service charges, if any apply), purchases of prepaid cards or reloadable cards such as certain gift cards, purchases of quasi-cash items (for example, casino chips), purchases of cash equivalents or payment instruments that can readily be converted to cash (for example, travelers' cheques, money orders, wire transfers, and similar products or services), or purchases made using a Personal Identification Number (PIN) or initiated through identification technology that substitutes for a PIN.
5CGF ClearPoints Credit Cards: The 0% Introductory APR for Purchases will apply through the end of the thirteenth billing cycle after the account is opened for all Purchases posted to the account within the same period. After that, Purchase APR: 12.74% to 30.74% variable, based on creditworthiness. 0% Introductory APR for Balance Transfers will apply through the end of the thirteenth billing cycle after the account is opened for all Balance Transfers requested within 60 days of account opening. After that, Balance Transfer APR: 12.74% to 30.74% variable, based on creditworthiness. Balance Transfer Fee: $10 or 4% of the transaction amount, whichever is greater, for each balance transferred. Cash Advance APR: 23.74% to 30.74% variable based on creditworthiness. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. If you take advantage of any promotional offer for Balance Transfers, Convenience Checks, or Cash Advances, you may lose your grace period on new purchases because you must pay your monthly payment plus any balance(s) created by promotional offers, by the payment due date to avoid interest on Purchase transactions. Foreign Transaction Fee: 3% of each transaction in US dollars. Minimum Interest Charge: $1. Please see credit card terms and conditions.
6Bonus points are awarded for purchases in bonus point categories based on the merchant’s reporting of its merchant category code (MCC). CGF is not responsible for awarding points if a merchant reports its merchant category code in a category that falls outside of the bonus point category listing. Final determination of which purchases qualify for bonus points is at the sole discretion of CGF. Bonus point categories are subject to change. For the ClearPoints Credit card, categories must be selected each quarter, otherwise all transactions will default to 1 point per $1 spent on qualifying purchases. Select Credit Cardholders are enrolled in default categories at account opening and can change their category selections once every 90 days.
7Special Offer for CGF ClearPoints Credit Cards: $100 account credit offer not available to existing CGF credit cardholders. Offer applies to accounts open between 04/01/18 to 7/31/18. $1,500 in purchases must be made within 90 days of account opening to be eligible for the $100 account credit. Account must be open and in good standing at the time account credit is awarded to receive the account credit. To qualify to get account credit, a purchase must be made with your CGF ClearPoints Credit Card and processed or submitted through the Visa U.S.A. Inc. payment system. The following do not qualify as purchases: payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, finance charges, and related service charges, if any apply), purchases of prepaid cards or reloadable cards such as certain gift cards, purchases of quasi-cash items (for example, casino chips), purchases of cash equivalents or payment instruments that can readily be converted to cash (for example, travelers' cheques, money orders, wire transfers, and similar products or services), or purchases made using a Personal Identification Number (PIN) or initiated through identification technology that substitutes for a PIN.
8CGF Select Credit Card: Purchase APR and Balance Transfer APR: 14.74% to 18.74% variable, based on creditworthiness. Balance Transfer Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater. Cash Advance APR: 23.74% variable. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. Minimum Interest Charge for Purchase balance: $1. Annual Fee $125, waived for the first year the account is open. However, the Annual Fee is always waived for Premier Personal Banking clients.
9Benefits for Select Credit Cards: Visa Signature benefits include Luxury Hotel Collection membership, 24/7 Concierge, roadside assistance, travel and emergency assistance services, warranty manager service, auto rental collision damage waiver, lost luggage reimbursement, purchase security, trip cancellation/trip interruption, price protection, and Zero Liability.
10Select Credit Card Bonus Points Offer: 20,000 bonus points credit offer not available to existing CGF credit cardholders. Offer applies to Select Credit Card accounts opened between 4/1/18 to 7/31/18. $2,000 in net purchases must be made within 90 days of opening the Select Credit Card to earn the 20,000 bonus CompassPoints. Account must be open and in good standing at the time account credit is awarded to receive the account credit. To qualify to earn points, a purchase must be made with your CGF Select Credit Card and processed or submitted through the Visa U.S.A. Inc. payment system. The following do not qualify as purchases: payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, finance charges, and related service charges, if any apply), purchases of prepaid cards or reloadable cards such as certain gift cards, purchases of quasi-cash items (for example, casino chips), purchases of cash equivalents or payment instruments that can readily be converted to cash (for example, travelers' cheques, money orders, wire transfers, and similar products or services), or purchases made using a Personal Identification Number (PIN) or initiated through identification technology that substitutes for a PIN.
11CGF Optimizer Credit Card: Purchase and Balance Transfer APR 17.74% variable. Cash Advance APR: 26.74% variable. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, which is greater. Foreign Transaction Fee: 3% of each transaction in U.S. dollars. Annual Fee: $40. Minimum Interest Charge: $1
Alerts may be delayed or may not always be available. Thus, your balance may not reflect all transactions.
*Visa’s Zero Liability Policy does not apply to Visa corporate or Visa purchasing card or account transactions, or any transactions that are not processed by Visa. Cardholder must notify CGF promptly of any unauthorized use as described in the cardholder agreement. Consult: https://www.visa.com/chip/personal/security/zero-liability.jsp or CGF for additional details.
CGF Credit Cards may not be available to residents in all states.