Lower rates, lower payments
Low Rate Credit Card
Save money on monthly payments when you open a Low Rate credit card. There are no hidden fees or sneaky charges—just straightforward, low rates.
The ultimate low-interest credit card
If you tend to carry a credit card balance, it’s important to have the lowest interest rate possible. With the Low Rate credit card from Mountain America, you get our lowest rate, as well as a variety of other benefits.
Low Rate credit card benefits
- Rates as low as % APR¹
- No balance transfer fees¹
- Same-day card issuance or replacement at any branch
- Card manager—Use the mobile app to freeze your card, change PINs, set travel notices and instantly add your card to a mobile wallet
- Free access to your credit score and credit report
Plus, our Low Rate cards are chip-enabled so you can make transactions securely and confidently.
Put your new favorite credit card in your wallet
Apply online for a Low Rate card. You may also apply at your nearest Mountain America branch or over the phone at 1‑800‑748‑4302.
Apply online in minutesLow Rate credit card FAQs
Do I need to be a Mountain America Credit Union member to apply for a Low Rate credit card?
You don’t need to be a member to start an application. However, you’ll need to qualify for membership to complete the process.
How much money is on a credit card?
Our credit limits range from $300 to $40,000, depending on a variety of factors such as your credit history and income.
How many credit cards should you have?
It depends on your financial situation and goals, but generally speaking, you should have at least one credit card in order to build credit. However, before you apply for one or more cards, make sure you can always make your payments on time.
What is the best credit card to apply for?
We recommend choosing a credit card that fits your style and spending plan. Click here to compare our options.
What are the benefits of a Low Rate credit card?
The Mountain America Low Rate credit card has the lowest rates of all our cards. Plus, there are no annual fees1 and no balance transfer fees.
How long does a Low Rate credit card take to expire?
Mountain America’s Low Rate credit cards expire after 3 years. Don’t worry—we’ll mail you a new card shortly before the old one expires.
Additional cards
- On approved credit. Variable annual percentage rate ranges from % to 18.00% based on card type and creditworthiness. 1% foreign transaction fee. Balance transfers and cash advances will accrue interest from the date the transaction is processed. The annual percentage rate for cash advances is %.
