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Routing #: 221381867

Alternatives VISA Credit Card

THE SOCIALLY RESPONSIBLE CREDIT CARD

A credit card that keeps your money working right here

No annual fee. A purchase APR of 10.99% to 17.99%. Issued by a certified Community Development Financial Institution.

Rates require credit approval and are subject to change. Click here for the full Credit Card Disclosure, including transaction fees, penalty fees, and how your balance is calculated.

What that means for you

No annual fee
You’re not charged just to carry this card.
Pay in full, skip interest
Pay your balance by the due date, at least 25 days after your billing cycle closes, and you owe no interest on purchases.
One honest APR
The same 10.99% to 17.99% APR applies to purchases, balance transfers, and cash advances. No hidden higher tier.
Manage it your way
Track spending, set alerts, and manage your card anywhere through online and mobile banking.
WHY IT MATTERS

Most financial institutions were never built to reinvest in the communities they serve. Alternatives is a certified Community Development Financial Institution, one of fewer than 500 among the more than 4,000 credit unions in the U.S.

In 2025, 84% of our personal and auto loans went to people in low-income households and communities. Every purchase on this card banks with that.

Ready to apply?

Apply now, I’m a member → Apply now, I’m new here →

After you submit, our team will follow up with next steps.

Not sure this is the right step?
Talk it through with a financial coach, no pressure, no cost.
Schedule a chat →

Already have the card? For lost or stolen cards, payment help, or a charge you don’t recognize, see Get Help With Your Card.

Support Our Mission!

Unlike traditional banks, we specialize in lending to individuals, organizations, and businesses in under-resourced communities, offering financial education, business coaching, and low-interest rate loans that increase economic potential and help build wealth.

See what we stand for

Speak with a Financial Coach

No need to figure it out yourself, coaches can provide help with money management, paying bills, building credit and housing issues. Speak with someone on our financial team or with a financial coach through our non-profit partner, Balance.

Schedule an appointment