Starter Credit Card

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New to Credit? This Card’s for You.

New to Credit? This Card’s for You.

CommunityAmerica Starter Credit Card

Start Building Your Credit and Earn up to $40

Low Rate + No Annual Fee + No Deposit Needed

Our Starter Credit Card is a great way to start building good credit. Created specifically for students, this low-rate card features tools to help you learn about credit basics and the importance of paying bills on time. Plus, you can get rewarded along the way – up to $40 in cash back your first year1,2!

Three Easy Ways to Apply

  • Online: Simply click on the button below and select the “Platinum Low Rate” credit card. Be sure to enter the promo code “Credit101”.
  • Branch: Visit your nearest location.
  • Phone: Give us a ring at 913.905.7000.

No cosigner or deposit required, must be 18 or older to apply.
Apply Online

Earn Cash Back


Get Rewarded

Earn up to $30 when you pay your bill on time1.

Play to Win

Win $10 for playing the Credit 101 Trivia Game2.
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Cash Back

Your cash will be deposited directly into your account.

Credit Building Tools

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Credit Tracking

Take advantage of free credit monitoring and reporting to stay on track.
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Set Limits

Use spending controls and set limits to help you stay on budget with CardValet®.
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Get Alerts

Receive text alerts including credit tips and helpful payment reminders.

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We’ve Got a Student Checking Account, Too

Our free student checking account makes it easy to manage your money, thanks to tech-friendly features including our highly rated Mobile App, easy digital money transfers, mobile check deposit and the ability to set controls and alerts with just the tap of a finger.
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Profit Payout

We share our profit with our members.

As a not-for-profit credit union, we return our profit to those who bank with us in many ways—like better rates, lower fees and our Profit Payout3. This year we gave back $8.4 million to our members.
Estimate Your Payout

Member Favorites

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Download Our Mobile App

We put the banking tools you need right in the palm of your hand.
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High Interest Savings

Grow your money faster at a rate of up to 4.00% APY4 on balances up to $1,500.

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College Planning

We’ve got the resources and tools to help your family plan and prepare your student for college.
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