Explore Ent Credit Cards
Inspired by members, designed with you in mind
Enjoy low rates, no annual fees and powerful perks
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Why choose an Ent credit card?
Big benefits, local care
Enjoy powerful perks with the credit union service you love.
Rewards you’ll love & no annual fees
Earn more and pay less with cards designed to fit your life.
Convenient banking, all in one spot
Connect your accounts under one roof for streamlined access & easy payments.
Offers you’ll love
Ent Cash Rewards Visa Signature®
Enjoy 1.5% unlimited cash back & earn a $150 bonus.1
Ent Lifestyle Visa Signature®
Get up to 5x points on purchases & earn 15K bonus points.1
Ent Simply Visa® Platinum
Save money with our lowest APR & 0% balance transfers for 12 months.2
Benefits that matter to you
| Benefit | Simply Visa Platinum4 | Essential Visa Platinum4 | Cash Rewards Visa Signature7 | Lifestyle Visa Signature7 |
|---|---|---|---|---|
| Cash back or rewards points1 | — | 1.5% cash back | 1.5% cash back | Up to 5x points on everyday expenses and more |
| Interest rate on purchases as low as | 11.24%2 | 14.24%3 | 13.24%5 | 13.24%6 |
| Purchase protection | ||||
| Rental car coverage & roadside help | ||||
| Enhanced travel coverage | — | — | ||
| Visa Signature Concierge | — | — |
Choose the card that fits your life
Sort by card feature
Ent Simply Visa® Platinum credit card
Live life on your terms with a card that offers no annual fees, our lowest interest rate and big savings on balance transfers.
Intro offer: 0% interest on balance transfers for 12 months2
Features you’ll love:
- Low APR
- No annual fee
- Protections against fraud, purchase damage & theft
APR
11.24% – 22.24% variable APR2
Annual fee
$02
Ent Essential Visa® Platinum credit card
Build credit for tomorrow and enjoy perks today, with rewards that can be redeemed for 1.5% cash back, travel and merchandise.
Intro offer: 0% interest on balance transfers for 9 months3
Special promo: $150 bonus when you spend $1,000 within the first 90 days of account opening.1
Features you’ll love:
- Unlimited 1.5% cash back
- No annual fee
- Protections against fraud, purchase damage & theft4
APR
14.24% – 27.24% variable APR3
Annual fee
$03
Ent Cash Rewards Visa Signature® credit card
Live life to its fullest and keep your credit card rewards simple with unlimited 1.5% cash back, no annual fees and a 25% relationship bonus.
Intro offer: 0% interest on balance transfers for 9 months5
Special promo: Earn a $150 bonus when you spend $1,000 in the first 90 days.1
Features you’ll love:
- Unlimited 1.5% cash back1
- 25% bonus when you bank & borrow with Ent1
- No annual fee
- Free assistance with travel, dining or entertainment
APR
13.24% – 26.24% variable APR5
Annual fee
$05
Ent Lifestyle Visa Signature® credit card
Get the most out of every moment. Earn up to 5x points on your needs and wants, plus enjoy Visa Signature Concierge and other travel benefits.
Intro offer: 0% interest on balance transfers for 9 months6
Special promo: Earn 5,000 bonus points with your first transaction, plus an additional 10,000 points when you spend $1,000 within the first 90 days of account opening.1
Features you’ll love:
- Up to 5x points in 5 categories1
- No annual fee
- Free assistance with travel, dining or entertainment7
APR
13.24% – 26.24% variable APR6
Annual fee
$06
Ent Business Rewards Visa® credit card
Reward yourself and your business. With unlimited 2% cash back on purchases, you can reinvest your savings where it counts.
Intro offer: 0% interest on balance transfers for 9 months8
Special promo: Earn a $300 bonus when you spend $2,000 in the first 90 days.1
Features you’ll love:
- Unlimited 2% cash back1
- No annual fee
- All authorized users contribute to 2% cash back
APR
13.24% – 26.24% variable APR8
Annual fee
$08
Credit card control on the go
Manage your card anytime, anywhere with Ent’s credit card mobile app. With advanced multi-factor security, including facial recognition, you can access your card features 24/7 right from your phone. Activate your card, make payments, lock or unlock your card, and more—all in one secure place.
Ent credit card FAQs
You can apply online, by calling 800-525-9623 or by visiting your nearest service center.
Yes. But any authorized users you add don’t need to be Ent members.
Your current card will be replaced with one of the new Ent Visa cards in late April 2025. You won’t lose any of the rewards you’ve earned. If you have an introductory rate offer, the terms and standard interest rate will remain the same. Learn more about the transition here.
Payments may now be made online, in an Ent service center, by calling Ent at (800) 525-9623 or mailing a check to: Ent Credit Union, PO Box 660493, Dallas, TX 75266-0493. If you usually pay by check, please be sure to change to the new address.
By bringing credit cards in-house, we can now offer you a card with great benefits supported by your local Ent team. Now, if you have a question or need to make a payment, you can just call us directly or stop by any Ent service center. The new cards also offer no annual fee and valuable benefits.
Yes, authorized users can be added at no charge. Once your card is approved, you can add authorized users by calling 800-525-9623 or by visiting your nearest service center. You’ll need to have the user’s birthdate, the last 4 digits of their Social Security number or TIN, and their 5-digit zip code.
Debit cards pay for your purchases using money that’s already in your checking account, while credit cards allow you to make purchases on credit. Credit cards can boost your credit score when managed responsibly, while debit cards don’t impact your credit history. Ent also offers credit cards that earn cash back or points on purchases.
Balance transfers allow you to consolidate debt from other credit cards, often at a lower interest rate, which can help you pay off your debt faster. However, a one-time fee will apply when you make each transfer. If you take advantage of a 0% APR balance transfer offer, be aware that any remaining balance after the promotional period will begin accruing interest at your Ent card’s standard purchase APR. To avoid additional interest charges, plan your budget carefully and aim to pay off the balance before the 0% APR period ends.
You can manage your card with the Ent credit card mobile app or the card management portal. Note: the old portal does not work with your new card.
Yes. Reregister via the Ent credit card mobile app or the card management portal by creating a new username the first time you sign in.
After you reregister in the mobile app or at the card management portal, you can add all your cards one at a time. After signing in, select Services (top right), choose Add Card, and follow the prompts. Repeat for each card you add.
When paying through the mobile app or the card management portal, you can link only one non-Ent account at a time. You can change which account you use whenever you’d like.
Yes. If you use your other bank’s or credit union’s bill pay, send payments to: Ent Credit Union, PO Box 660493, Dallas, TX 75266-0493.
Standard account and credit qualifications apply. All loans subject to final credit approval. Rates and terms are subject to change without notice and are dependent upon creditworthiness and market Prime Rate. Visit Ent.com/Legal to review Ent’s Credit Card Agreement and Disclosures.
2 Ent Simply Visa® Pricing and Terms
3 Ent Essential Visa® Pricing and Terms
4 Ent Platinum and Platinum Rewards Guide to Visa® Benefits
5 Ent Cash Rewards Visa Signature® Pricing and Terms
6 Ent Lifestyle Visa Signature® Pricing and Terms
7 Ent Signature Rewards Guide to Visa® Benefits
8 Ent Business Rewards Visa® Pricing and Terms
9 Consumer Visa® Cardholder Agreement