Imagine this: A credit card designed to save you money.

Credit Cards with No Annual Fee or Balance Transfer Fee

Choose the card that works for your style—earn points on every purchase with the Rewards Credit Card or keep things simple and save money with our low-rate Classic Credit Card. We also offer Student and Secured card options to help you build or rebuild credit with confidence.

Classic
Credit Card

Meet the no frills, all value credit card.
Rates as low as 11.49% APR*
  • Low rate that helps you save on interest.
  • No annual or balance transfer fees.
  • Simple and secure digital account access makes it easy to track your spending.

Rewards
Credit Card

Make every purchase more rewarding.
Rates as low as 13.49% APR*
  • Earn one point for every $1 on purchases and balance transfers.
  • Redeem for cash back, travel, gift cards, and more.
  • No annual or balance transfer fees.

Use your card with confidence.

With Visa’s Zero Liability Policy, you are not responsible for unauthorized purchases made with your Visa credit card or account information.

See Which Credit Card Fits Your Needs

Whether you’re looking to save money with a low-rate card or earn rewards on everyday spending, Salal’s credit cards give you clear terms, fewer fees, and the everyday digital tools that help you stay in control.

See Today’s Rates >

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Best For
Key Features
Saving money on interest,
consolidate debt without fees.
  • Salal’s lowest-rate option.
  • $0 annual & balance transfer fees.
  • Fraud and theft protection.
Earning points on
everyday spending.
  • Earn points on purchases & transfers.
  • Redeem for cash, travel, gifts.
  • $0 annual & balance transfer fees.
Building first-time
credit (ages 18–23).
  • $0 annual & balance transfer fees.
  • Supports healthy credit habits.
  • Fraud and theft protection.
Building or
rebuilding credit.
  • Secured by Salal savings or money market account.
  • Savings continue earning interest.
  • $0 annual & balance transfer fees.

Balance transfer savings calculator.

Use our calculator to find out how much you could potentially save in interest when you move your existing credit card balance to a Salal credit card.

Current Salal members can request a balance transfer at any time within digital banking.

How much can I save?

Questions?

We’re here to help.

Send us a secure message.

Message us securely through Mobile or Online Banking.

Call our Virtual Branch.

800.562.5515
M–F: 8 a.m.–5:30 p.m. PT
Sat: 10 a.m.–2 p.m. PT

Send us an email.

Get connected to the team best suited to answer your question.

Need something more specific?

See all our contact information in one place to quickly find the department you’re looking for.

Learn and discover: See our FAQs and tutorials to get help with some of the most common questions and topics our members ask about.

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Fill out the form below and one of our Mortgage Advisors will get back to you within 1-2 business days. Their recommendations come with no obligation.

Schedule a Free Homebuyer Planning Session

Fill out the form below and one of our Mortgage Advisors will get back to you within 1-2 business days. Their recommendations come with no obligation.

Schedule a Free Mortgage Review Session

Fill out the form below and one of our Mortgage Advisors will get back to you within 1-2 business days. Their recommendations come with no obligation.

Schedule a Call

Select your state below to schedule a call with the Salal Dealer Direct representative in your region.