Credit union · NCUA insured
Vibe Credit Union Credit Card Rates
Vibe Credit Union credit cards start at 12.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Vibe Credit Union’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where Vibe Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Vibe Credit Union
12.75%APR
Vibe Visa® Platinum Credit Card
Lowest rate
Construction Federal Credit Union
6.87%APR
2nd-lowest rate
Polish-American FCU
6.90%APR
Vibe Credit Union credit card score
69
Credit card score
Higher than 23% of U.S. banks and credit unions
- Purchase APRPurchase APR12.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Vibe Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Vibe Visa® CashRewards Credit Card
Approval and rates are based on creditworthiness and individual credit history. Rates are variable and subject to change. New members must qualify for membership and deposit a minimum of $5 into a Vibe Savings Account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.75% | None | Variable APR as low as 15.75% applies to purchases, balance transfers, and cash advances. No annual fee and no cash advance fee. Subject to foreign transaction fee (1.5%) and late fee ($25). Earn unlimited 2% cash back on qualifying net purchases. |
| Intro, 12 months | 0.00% | None | Special offer for new Vibe Visa cards: receive 0% APR for 12 months (billing cycles) on transferred balances when opening a new card. Available for 60 days after card opening. Transferred balances subject to 4% fee. Reverts to standard variable rate after promotional period. Cash advances not eligible. |
Vibe Visa® Platinum Credit Card
Approval and rates are based on creditworthiness and individual credit history. Rates are variable and subject to change. New members must qualify for membership and deposit a minimum of $5 into a Vibe Savings Account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75% | None | Variable APR as low as 12.75% applies to purchases, balance transfers, and cash advances. No annual fee and no cash advance fee. Subject to foreign transaction fee (1.5%) and late fee ($25). |
| Intro, 12 months | 0.00% | None | Special offer for new Vibe Visa cards: receive 0% APR for 12 months (billing cycles) on transferred balances when opening a new card. Available for 60 days after card opening. Transferred balances subject to 4% fee. Reverts to standard variable rate after promotional period. Cash advances not eligible. |
Who can join Vibe Credit Union
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