Credit Cards
Rewards, Cash Back or Low Interest Select.
Credit cards that make your life easier, and maybe even a little richer.
Credit cards that fit your life.
No Nickeling. No Diming.
Sound cards include no annual fees, no balance transfer fees, and no foreign transaction fees.
Extra Security with Card Controls
Turn your cards on and off with a tap using the Card Controls feature in our mobile app.
Tech-Savvy Protection
EMV chip card, real-time text and email alerts, and card lock/unlock features in our mobile app.
Competitive Rates
Cut your interest rate, then cut up your other credit cards.
Approvals in Minutes
Get approved for your card in minutes online, over the phone, or in a branch.
Mobile Pay
Take your Sound card with you even if you leave your wallet at home using Mobile Pay for Apple and Android devices.
Compare Credit Card Accounts
Rewards Credit Card
Best if you’re interested in…- Earn Sound Rewards on every purchase.
- Get an extra 10,000 points with your new card
- Auto rental collision damage waiver2
Cash Back Credit Card
Best if you’re interested in…- Get 1.5% cash back on purchases1
- Auto rental collision damage waiver2
- Personal identity theft coverage2
- Travel accident insurance2
- Exclusive Visa Signature® benefits
- 24-hour concierge service3
- $5,000 minimum
Select
Best if you’re interested in…- Low rate
- Auto rental collision damage waiver2
Select Secured
Best if you’re interested in…- Secured option to build or re-build credit
- Low rate
- Auto rental collision damage waiver2
- $500-$5,000 balances available
Get today’s best rate.
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Card Type |
APR Range*1 |
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¹Variable Rate Information: Your rate may increase or decrease if the Prime Rate as published in the Wall Street Journal 5 days before the end of the previous month increases or decreases. Your rate can change monthly on the first day of each billing cycle following a change in the Prime Rate. Your rate will be equal to the Prime Rate plus a margin of: 3.70%-14.70% for Select and Select Secured; 5.70%-15.70% for Rewards and Cash Back. Any increase will take the form of more payments of the same amount. Your variable rate will never be more than the maximum rate allowed by applicable law. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. *All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Verification of income may be required. Must be 18 years of age to qualify for a loan. Must be a Sound Credit Union member to participate. Anyone who lives or works in WA can join. Membership at Sound requires a savings account. |
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Card Type Rewards |
APR Range*1 14.20% – 24.20% |
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Card Type Cash Back |
APR Range*1 14.20% – 24.20% |
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Card Type Select |
APR Range*1 12.20% – 23.20% |
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Card Type Select Secured |
APR Range*1 12.20% – 23.20% |
Open your card in a few simple steps
Select your card & apply
Choose the credit card that fits your needs and apply online.
Sign electronically
Securely sign your documents online.
Get your new card
Your Sound credit card will arrive to your mailbox in 7 to 10 business days.
Balance Transfer Bonanza is Back!
4.99% promo APR thru June 2025 on credit card balance transfers made by 12/31/24.
Mobile Pay for Apple and Android
Leave your wallet at home. Mobile Pay lets you use your smartphone to tap and pay with your Sound cards anywhere contactless payments are accepted.
Download the app today Apple Pay | Android Pay | Samsung Pay
Instant Prequal
Curious what you’ll qualify for? Get prequalified without impacting your credit.
Get the answers you’re looking for
- Enjoy a premium set of benefits at a unique portfolio of hotels
- Fine wine and dining special offers
- Access to popular sporting events
- Shopping discounts and offers at premium retailers
- Complimentary 24-hour concierge services³
³Cardholder is responsible for the cost of any goods or services purchased by the Visa Signature Concierge on the cardholder’s behalf.
If you know the current PIN you may call 1.855.477.1141, option 3, to change the PIN. If you’ve forgotten your PIN you will need to call us or visit a Sound branch to have a new card reissued.
We recommend letting us know prior to traveling outside of Washington State. Visa’s fraud prevention systems may block debit and credit card transactions made in other states or outside of your routine purchasing area. To prevent this, use Travel Notes in Online or Mobile Banking to enter the dates and your destinations before you go.
Back to top Looking to up your money game? We’ve got you covered!
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Besides setting aside money and ensuring your funds earn a competitive rate of interest, the second most important habit is to control spending. Continue reading
Credit and Debit Card Fraud Handling and Prevention
It will take just a few minutes of your time to answer the questions and either confirm a transaction, or identify them as suspicious and unauthorized. Continue reading
Credit Card Balance Transfer Calculator
See how much you could save by moving debt from a high-interest credit card to a new card with a zero intro rate. Continue reading
Get approved for a Sound credit card.
Disclosures
Credit Card Agreement and Disclosures Cash Back Terms and Conditions ¹Earn cash back on qualified purchases less credits, returns, or adjustments that are not payments. Qualified purchases do not include balance transfers, cash advances, convenience checks, purchases of cash equivalents (i.e. money orders, gaming transactions, etc.), tax payments, finance charges, fees, unauthorized/fraudulent transactions, credit insurance, credit protection and debt cancellation charges. ²Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa Signature card to secure transactions. Please refer to Your Guide to Benefits (Visa Cards | Visa Signature Cards) for further details. ³Cardholder is responsible for the cost of any goods or services purchased by the Visa Signature Concierge on the cardholder’s behalf. Cash Back rewards will post to member’s Savings account.