Choose the card you want most. No matter which card you choose, you'll enjoy important features like:

EMV smart chip technology for added security
Mobile purchasing capability for added convenience
And much more!

Related topics you may be interested in:
Make A Payment

If you have an existing credit card through Liberty Bay and you’d like to make a payment or manage your account follow the link below.

Credit Card Payoff Calculator

Are you looking to make a more informed decision by calculating how long it will take you to pay off your current credit cards?

Money Manager

Gain powerful insights on when, where, and how you spend. Our Money Manager tool allows you to view all your finances and gives you the tools to start simplifying your finances.

Personal Loan

Our quick, affordable personal loans could give you the cash you need when you need it, to use any way you wish, including debt consolidation.

Open up possibilities and unlock rewards with a Liberty Bay Credit Union membership.

FASTtrack Financial Education

Credit Cards

83% of adults in the US have at least one credit card. A credit card can be a great financial tool with many benefits, but its important that consumers also understand the consequences if they don’t use their cards responsibly.

Review this topic to learn more about:

  • How credit cards work
  • The benefits and risks of credit cards
  • How credit card use influences your credit score

Credit Scores and Reports

Your credit score may seem like an ambiguous number, but it provides financial institutions and other companies with a snapshot of how “creditworthy” you are. Learn more about how credit scores may impact your financial life, and get more information on:

  • Checking and monitoring your credit
  • How to improve your credit score
  • Types of institutions and companies that may use your credit score

1 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

2 Reward points can be redeemed as a cash deposit to a checking or savings account with Liberty Bay Credit Union or as a statement credit to your credit card account within one to two billing cycles. Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

3 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

5 Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

6 Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

8 Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.