Credit Builder Credit Card

It's the ideal card for building or repairing your credit.

Apply for this card without needing funds on deposit

Get financial flexibility

You can qualify for a credit line between $500 and $5,000.

Borrow at an affordable rate

This card's rate is 1% above the current rate for our traditional Secured Visa® Card.

Set up automatic payments

This ensures on-time payments, which help increase your credit score.

For first-timers and those needing a fresh start

Without a solid credit history, you'll find it difficult to qualify for a credit card. But not with Partner Colorado Credit Union. We offer our Credit Builder Visa® Credit Card specifically for members who need to establish their credit or repair their credit from past experiences.

When you apply for this card, you won't have to use your savings to establish your credit line, so you can use that money for other purposes. And when you qualify, you'll get all the purchasing power of a typical Visa® card and your on-time monthly payments help raise your credit score.

Here's What You Need to Apply for a Credit Builder Visa®

  • A Partner Colorado Credit Union membership
  • A Partner Colorado checking account in good standing for 12 months or more
  • Proof of income that shows your ability to repay your loan
  • An agreement to set up automatic payments from either a Partner Colorado account or another financial institution
  • A clear history in which you have not caused any checking or loan losses to Partner Colorado

Here's How a Higher Credit Score Benefits You

Lower rates on loans, which can save you thousands of dollars

Lower cost on your insurance premiums

Easier access to contracts for new services, such as mobile phones

Better opportunities for new employment because companies do check

Easier future credit approval

Free Credit and Financial Wellness Counseling

Anytime is a good time to increase your credit score. Check out our Financial Wellness Counseling services to set your finances on the right path. We've joined forces with GreenPath Inc., a non-profit organization that provides financial education and support for credit union members nationwide. A GreenPath expert will review your financial situation and develop a personalized plan to meet your needs. Most services are available free to Partner Colorado members.

  • Debt counseling
  • Debt management
  • Housing services
  • Student loan counseling
  • Credit report review
  • Financial education
  • Bankruptcy counseling

View FICO Credit Score

Keep tabs on this important number from Fair Isaac Corporation (FICO®).

  • Use Mobile Banking to monitor your FICO® Score.
  • Partner Colorado Credit Union provides your score (updated quarterly) based on information from your Experian credit report. 

Online Banking

Take control of your personal finances through Online Banking.

  • Real-time information
  • Transfer money easily
  • Track what's important to you

Resources to move you ahead.

Resources to move you ahead.
How To Properly Use A Credit Card

Make sure you are using your credit card right.

Learn More: How To Properly Use A Credit Card
How To Improve Your Credit Score

Learn how to get your credit score on track.

Learn More: How To Improve Your Credit Score
How Long Will It Take To Pay Off A Credit Card

See how long it will take to pay off your outstanding balance.

Learn More: How Long Will It Take To Pay Off A Credit Card
Mobile Banking

Manage your finances on the go.

Learn More: Mobile Banking
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Certain conditions and restrictions may apply. All loans subject to credit and income verification.