Ready to cash in while boosting your purchasing power? Earn points for merchandise or cash back — while you save with no annual fee.




Key Features

  • No Annual Fee
  • Competitive Rates
  • Rewards Available
  • Boost your purchasing power
  • Competitive, fixed APR 
  • Merchandise & cash back reward options
  • No annual fee
  • Credit limits starting at $1,000
  • Low monthly payments
  • Earn 1 point for every $1 in purchases
  • Redeem points for merchandise, cash back, and more!
  • No cap to points you can earn
  • Instant card issuance available at every TRUE Community location

Card Images

Have your TRUE Community credit card printed on-site at any of our convenient locations!

Over-the-Limit Coverage

Charges made on your Visa credit card that exceed your credit limit will be declined, unless you tell us otherwise. You do have the option to request over-the-credit-limit coverage.

If you have over-the-credit limit coverage and you go over your credit limit, we will charge you a fee of $25. You will only pay one fee per billing cycle, even if you go over your limit multiple times in the same cycle.

Download the PDF to request Over-the-Credit-Limit coverage.

Travel Notification

Do you plan on traveling out of state soon? Let us know! For your safety and security, our system will flag any transactions made in areas that are out of the norm for your typical card usage. It may also shut your card off if it thinks there is fraudulent activity on your card. Avoid being on vacation, or traveling for work and potentially not having access to your card by simply filling out a Travel Notification here.

We will let our system know when you will be using your card(s) in new or different places, so you will not run into any issues, but still have all of the safety and security you always have with us.

Please contact us with any questions.

Borrowers must be of legal age to apply for a loan.