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Lower Rates with Higher Rewards

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the spending convenience you want at rates you deserve

Charlotte Metro’s Visa credit cards give you the spending convenience you want for everyday purchases and the perks that give you more. The best part? You walk out of the branch with your credit card – no waiting!

Balance Transfers

carrying a credit card balance somewhere else? transfer it - for free.

Yup - you read that right. Transfer an existing credit card balance to your brand new Charlotte Metro Visa Platinum or Platinum Rewards credit card and receive 0% APR3 for 12 months with no transfer fee! So... what are you waiting for?!?

Get the Details

So... What's The Difference?

find the account to fit your spending needs

platinum
platinum rewards
platinum secured
no annual fee
Included
Included
Included
no balance transfer or cash advance fee
Included
Included
Included
optional overdraft protection from checking
Included
Included
Included
0% apr* on purchases and balance transfers for 12-months
Included
Included
variable-rate
Included
Included
earn 1 reward point for every $1 spent
Included
fixed-rate
Included
helps to rebuild or re-establish credit
Included
rate as low as
7.65% APR1
9.65% APR1
9.90% APR4

ok, so here's the fine print:

Let's Get Started

how to open your new card

i'm a member

Already a member? Follow these simple steps to apply for your new Charlotte Metro credit card.

  • Log in to Online Banking
  • Navigate to the Credit Cards tab
  • Select Apply for a Credit Card in the dropdown menu to get started

Log In

i'm new here

Here’s what you’ll need to get started:

  • Proof of Identity (current driver’s license or state-issued ID)
  • Social Security Number
  • A minimum opening balance of $5
  • The routing number and account number of a valid checking account, debit, or credit card

Apply Now