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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.

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No Nickeling. No Diming.

Sound cards include no annual fees, no balance transfer fees, and no foreign transaction fees.

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Extra Security with Card Controls

Turn your cards on and off with a tap using the Card Controls feature in our mobile app.

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Tech-Savvy Protection

EMV chip card, real-time text and email alerts, and card lock/unlock features in our mobile app.

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Competitive Rates

Cut your interest rate, then cut up your other credit cards.

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Approvals in Minutes

Get approved for your card in minutes online, over the phone, or in a branch.

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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

Sound Credit Union Consumer Rewards Credit Card

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
APR 14.20% – 24.20%
Fees No Annual Fee
Sound-Consumer-CC-CashBack

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
APR 14.20% – 24.20%
Fees No Annual Fee
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Select

Best if you’re interested in…
  • Low rate
  • Auto rental collision damage waiver2
APR 12.20% – 23.20%
Fees No Annual Fee
Sound-Consumer-CC-Select

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
APR 12.20% – 23.20%
Fees No Annual Fee

Get today’s best rate.

Credit Cards

Card Type

APR Range*1

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.

Card Type

Rewards

APR Range*1

14.20% – 24.20%

Card Type

Cash Back

APR Range*1

14.20% – 24.20%

Card Type

Select

APR Range*1

12.20% – 23.20%

Card Type

Select Secured

APR Range*1

12.20% – 23.20%

Open your card in a few simple steps

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Select your card & apply

Choose the credit card that fits your needs and apply online.

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Sign electronically

Securely sign your documents online.

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Get your new card

Your Sound credit card will arrive to your mailbox in 7 to 10 business days.

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Balance Transfer Bonanza is Back!

4.99% promo APR thru June 2025 on credit card balance transfers made by 12/31/24.

Learn more

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

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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.

Looking to up your money game? We’ve got you covered!

3 Tried and True Facts About Personal Finances

3 Tried and True Facts About Personal Finances

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

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

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.

Get started now
Apply online
Stop by a local branch
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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.