Compare Credit Cards

Spend every day your way with a credit card that fits your life

Starting school in the Bay Area? Updating your home in Redwood City? Launching a business in San Mateo? Monterra has a Visa® credit card that works for you, with affordable rates, smart security and safety features, custom card designs, and available rewards for everyday spending.

Visa® Signature Credit Card
Turn everyday purchases into extraordinary experiences.
  • No annual or foreign transaction fees
  • Credit limits from $5,000 to $35,000
  • Variable rates from 15.99% - 17.99% APR*
  • Earn double rewards points for gas and travel purchases and one point for every dollar spent on everything else
  • Redeem points for merchandise, travel deals, and Monterra perks, or you can choose cash back
  • Overdraft protection
Visa® Platinum Rewards Credit Card
Earn perks every day by living your way.
  • Credit limits from $500 to $25,000
  • Low introductory rate
  • Earn rewards points on every purchase and redeem for cash back, merchandise, travel deals, and Montera perks
  • Overdraft protection
Visa® Platinum Credit Card
Reach for the stars with rates that are lower than our other cards.
  • No annual fee
  • Credit limits from $500 to $25,000
  • Low introductory rate 
  • Overdraft protection
Student Visa® Credit Card
Build your credit while earning your credits.
  • No annual fee
  • Credit limits from $100 to $500
  • Low introductory rate 
  • Overdraft protection from your Monterra Business Checking Account
Visa® Secured Credit Card
Safely build your credit with a card that’s got your back.
  • No annual free
  • Credit limits from $100 to $25,000 
  • Requires a savings balance as collateral 
  • Competitive interest rates
  • Overdraft protection
Monterra Rewards
Get rewarded for every day well spent.
  • Earn rewards with your Monterra Visa® Signature, Platinum Rewards, or Business Rewards credit card
  • Register your Monterra card online
  • Redeem for a wide range of merchandise, cash back, travel and community options, even discounts and freebies at Monterra!

*APR = Annual Percentage Rate. Rate effective 1/2/2024.

Every member and every moment.
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