4.99% Promo APR on Purchases
Smart Shopping, Effortless Savings
Simply use your Sound card for purchases. Your promo rate will automatically be applied.
Take advantage of a 4.99% promotional APR through July 31, 2025 on purchases made between November 1, 2024, and January 31, 2025.
After the promo period, your rate will revert to your standard variable APR, currently 11.45% – 23.45%.
Compare Credit Cards
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
Get a 10,000 Point Head Start on Rewards Credit Card
Open a new Rewards credit card and we’ll give you 10,000 Rewards points to get you started.
Disclosures
Requires Sound membership. All Washingtonians welcome. All loans are subject to Sound Credit Union lending policies. Your rate and term will be determined by individual creditworthiness. Verification of income may be required. Must be 18 years of age to qualify for a loan. Loan promotions cannot be combined with any other loan offer or discount. Rates and offer are subject to change.
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.
Important Information About Visa Purchase Promotion Offer: Offer is valid on Consumer Visa Credit Card purchases. Business Rewards, Business Platinum, and Business Platinum Secured accounts are excluded from this offer. Purchase transactions will be charged 4.99% promo APR through July 31, 2025. After that, you will be charged the standard APR for purchases as described in your loan documents or any subsequent change in terms, currently 11.45% APR – 23.45% APR. Transactions that post after the promotional date or if your account is in default may be charged the applicable non-promotional terms (for example, APR and transaction fee) stated in your loan documents or any subsequent change in terms, or will be declined. Offer, rates, and fees subject to change. The APR on all other transactions and balances on your account will remain at the applicable rate in accordance with your Credit Card Agreement. Balance transfers are excluded from this offer.
Right to Decline: Under certain circumstances (for example, if your account is past due or over limit, or if we reasonably believe you will be unable or unwilling to repay the balance, or as described in your Credit Card Agreement), we may decline to process your transaction.
Credit Card Agreement: For further details about terms or conditions on your account, please refer to your Credit Card Agreement.
Cash Back Cardholders: Sound cash back will be awarded on transactions from this promotion.
Rewards Cardholders: Sound Rewards points will be awarded on transactions from this promotion.
Fees: Late Payment, up to $25.