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Credit Cards

Pick the C1st Credit Card that is right for you!

Enjoy flexible rewards, great perks, and the card that fits your lifestyle.

Find the perfect C1st Credit Card that fits you best and start spending smarter today. Low intro rate, no annual fees, and seamless use with Apple Pay, Google Pay, and Samsung Pay. 

Contactless

Tapping to pay is quick, easy, and secure! 

With a quick tap of your phone, you can use your C1st credit card to pay at over one million U.S. merchant locations that accept mobile payments. Digital Wallet options also make it convenient to check out quickly within your favorite apps and websites. Best of all, payment information is never shared with merchants or stored on your device. Learn More!

Smart Rate, Flex, and Signature Credit Card Disclosures | Credit Savvy Credit Card Disclosures

Rates accurate as of 5/12/26. Rates and terms are dependent on credit qualifications. Other restrictions may apply. Subject to credit approval. 

*Credit Savvy Secured Card Interest Rates and Fees. The following Annual Percentage Rates (APRs) will depend on your credit history and will vary with the market based on the Prime Rate.
Purchases: 13.24% APR - 21.24% APR. Balance Transfers and Cash Advances: 13.24% APR - 21.24% APR. Transaction Fees – Cash Advance: 3% of the amount of each cash advance or $5 minimum, whichever is greater. Penalty fees: up to $25 if your payment is late 5 days or more and up to $25 if your payment is returned for any reason.

**Smart Rate Card Interest Rates and Fees. The following APRs will depend on your credit history and will vary with the market based on the Prime Rate. Purchases: 1.99% introductory APR for 12 billing cycles from date of account opening. After that it becomes variable, currently 11.24% APR - 20.24% APR. Balance Transfers: 1.99% introductory APR for 12 billing cycles made in the first 60 days of account opening. After that, 11.24% APR - 20.24% APR. Cash Advances: 11.24% APR - 20.24% APR. Transaction Fees – Cash Advance: 3% of the amount of each cash advance or $5 minimum, whichever is greater. Penalty fees: up to $25 if your payment is late 5 days or more and up to $25 if your payment is returned for any reason.

***Flex Card Rates and Fees. The following Annual Percentage Rates (APRs) will depend on your credit history and will vary with the market based on the Prime Rate. Purchases: 1.99% introductory APR for 12 billing cycles from date of account opening. After that it becomes variable, currently 14.24% APR - 24.24% APR. Balance Transfers: 1.99% introductory APR for 12 billing cycles made in the first 60 days of account opening. After that, 14.24% APR - 24.24% APR. Cash Advances: 14.24% APR - 24.24% APR. Transaction Fees – Cash Advance: 3% of the amount of each cash advance or $5 minimum, whichever is greater. Penalty fees: up to $25 if your payment is late 5 days or more and up to $25 if your payment is returned for any reason.

****Signature Rewards Card Rates and Fees. The following APRs will depend on your credit history and will vary with the market based on the Prime Rate. Purchases: 1.99% introductory APR for 12 billing cycles from date of account opening. After that it becomes variable, currently 12.24% APR - 20.24% APR. Balance Transfers: 1.99% introductory APR for 12 billing cycles made in the first 60 days of account opening. After that, 12.24% APR - 20.24% APR. Cash Advances: 12.24% APR - 20.24% APR. Transaction Fees– Cash Advance: 3% of the amount of each cash advance or $5 minimum, whichever is greater. Penalty fees: up to $25 if your payment is late 5 days or more and up to $25 if your payment is returned for any reason.

Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google, LLC. Samsung Pay is a trademark of Samsung Electronics Co., Ltd.

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