Cash Rewards
Credit Card

Earn unlimited 1.5% cash back on all purchases.*

Plus, 0% Intro APR on Purchases and Balance Transfers for 18 months2!

Unlimited ash rewards icon

Unlimited Cash Rewards

Earn unlimited 1.5% cash back on every purchase with no rebate tiers or revolving purchase categories.

Star icon

$200 Cash Bonus

After $1,000 in Spend During First 90 Days1.

percentage price tag icon

Low Rate

Save with 0% introductory APR on purchases and balance transfers for 18 months2. After that, 16.65% - 18.00% variable APR3.


no fees icon

No Annual Fee

Simple and hassle-free to help you keep more of your own money.

Cash Rewards

Redeem Your Way

Enjoy on-demand cash reward redemption right into your ZTB account—or redeem as a statement credit!

Mobile and desktop icon

Convenient Online Account Management

View transactions, make payments, get text alerts and more through our Digital Banking and smartphone app.


Calculate Your Rewards

See how much you could earn

$0
$10,000
$
=

Actual cash rebate will vary, based on individual purchase activity, credit line and promotional offers.


Cardholder Resources








Apply for a Credit Card


Digital Banking Users

Use the Apply Now button below to log in for the fastest way to apply.


Not a member or Digital Banker?


  • Disclosure

    ​​​​​​​​​​​​​​

    APPLICATION AND SOLICITATION DISCLOSURE


    *You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

     

    1Offer only available on new accounts, open on or after 4/1/22. You will receive $200 cash bonus after making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the cash bonus. After qualifying, the cash bonus will post to your rebate balance within one billing cycle.

     

    2APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 545 days after the account open date, up to your available credit limit, will receive a promotional 0% APR. At day 546, the APR for any remaining promotional balances will increase to the standard APR for purchases and balance transfers, and all subsequent purchases and balance transfers will receive the standard APR for purchases and balance transfers. Balance Transfers may not be used to pay off or pay down any amount owed to the Credit Union. There is a transaction fee of 3% of the amount of each balance transfer. All existing payment terms apply.

     

    3The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 8.15% and 14.65% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The maximum APR is 18.00%.

X

Cookies allow us to give you the best website experience possible. Let us know you agree to cookies. See details.

I’m OK with that