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Enjoy a low-rate card with rewards!

With an E-Central credit card, you can enjoy a low-rate and earn rewards! Choose between a credit card with low rates or our credit card that helps you build or rebuild your credit.

Both cards include uChoose Rewards® and feature Verified by Visa protection, which includes zero liability for unauthorized purchases, and online access to pay your bill, monitor your activity and track your rewards points.

Platinum Visa

Our Platinum Visa Credit Card features low rates and rewards.

  • Rates as low as ​​​​1​3.49% APR*
  • Earn uChoose Rewards points (1.5% Cash Back, Travel, Merchandise, and Gift Cards)
  • No annual fee
  • No balance transfer fee
  • Credit limit based on creditworthiness

Secured Visa

Ideal for members who are building or repairing their credit.

  • Credit line secured by your funds on deposit with us
  • Credit limits up to 100% of secured deposits
  • Earn uChoose Rewards points​ (1.5% Cash Back, Travel, Merchandise, and Gift Cards)
  • No balance transfer fee​

uChoose Rewards®

Redeem Points for Cash Back and Other Things You Love!

Earn 1.5 Points for Every $1 Spent

Our uChoose Rewards® program is a great way to reward yourself just by using your E-Central Credit Card! You’ll earn 1.5 points for every dollar spent. Use points for cash back (equivalent to 1.5%), airline tickets, hotel stays, merchandise, event tickets, gift cards, and more through uChoose Rewards®.

  • Cash Back Rewards - Turn your points into Cash Back. The funds can be deposited into your E-Central account or issued as a statement credit. Since you’ll be earning 1.5 points for every dollar you spend, when you redeem your points for cash back, it is equivalent to 1.5% cash back.
  • Travel – Enjoy traveling? With uChoose Rewards® you can redeem your points for flights, hotels, cruises and more.
  • Gift Cards - Turn your points into gift cards for major retailers, subscription services and more.
  • Merchandise - Redeem your points for merchandise, such as the latest in gaming, exercise, pet accessories and more.
  • Events – Looking for an experience? Redeem your points for event tickets, concerts, sports, and theater.

Automatically Enrolled

As a cardholder, you’ll automatically be enrolled. Make your E-Central Credit Card work for you. Next time you go shopping, just say, “Charge it!” and watch your points add up! Access E-Banking or Mobile Banking to redeem your points. 

Redeeming Points

To redeem your uChoose Rewards points, you can access them through E-Banking and selecting your credit card. The link will take you to a portal where you can view your transactions, make a payment, find a statement and connect to the uChoose Rewards page. A second option is to directly access uChoose Rewards.  


To learn more about our credit cards or apply for a credit card, contact us or visit our Pasadena branch today. For more information on rates and fees, please review the E-Central Visa Card Disclosure


E-Central Credit Union offers Visa Credit Cards to Southern California members throughout Los Angeles County including Pasadena, South Pasadena, Alhambra, San Marino, Arcadia, Sierra Madre, Altadena, Temple City, Monrovia and beyond.

*APR = Annual Percentage Rate. All loan rates, terms, and conditions subject to change. "As low as" Consumer Loan rates listed are our best rates on approved credit. 

uChoose Rewards is a registered trademark of Fiserv Inc. ​

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