Skip to main content

 

Westmark Credit Union

Digital Banking

Enter your username.
Enter your password.
Register Forgot Password Forgot Username
FAQ • Guide • Loan Payment • Redeem Rewards
Download on the App Store Get it on Google Play

Cobalt Credit Cards

Earn cash back. Save more.

Apply Now

Overview
Compare Cards
Rates
Cash Back
Manage
FAQs

Introducing the Cobalt Card Collection

Choose the Cobalt credit card that fits your style. Earn up to 2% cash back with Cobalt Rewards, or save on interest with Cobalt Edge's lower rate and 0% balance transfer promo.

Cobalt Edge 0% Balance Transfer Promo!

Transfer your high-interest balances to a Cobalt Edge card and enjoy 0% APR for 12 months on balances transferred within 90 days of account opening. A 4% balance transfer fee applies. A great way to pay down debt faster.

No Annual Fees - Keep more money in your pocket with no yearly charges on any of our cards.
Up to 2% Cash Back - Earn cash back on every Cobalt Rewards purchase, deposited to your savings.
0% Balance Transfer for 12 Months - Cobalt Edge offers 0% APR for 12 months on transfers within 90 days of opening (3% fee).
Zero Liability Protection - You're never responsible for unauthorized transactions on your Cobalt card.
Identity Theft Protection - Every Cobalt card includes identity theft monitoring and resolution services.
24/7 Roadside Assistance - Help is just a phone call away for flat tires, lockouts, towing, and more.
Apply Now

Compare Our Cobalt Credit Cards

Choose the card that fits your lifestyle—earn cash back with Cobalt Rewards or save on interest with Cobalt Edge.

Cobalt Rewards Credit Card

Cobalt Rewards

Earn Up To

2% Cash Back

Best for earning cash back rewards

Ideal for members who pay off their balance monthly and want to earn cash back on every purchase.

Cash Back Tiers:
Horizon
1%
Summit
1.5%
Pinnacle
2%

Card Features

  • Up to 2% cash back on all eligible purchases
  • Cash back deposited to Primary Savings in July & December
  • 3 relationship tiers: Horizon, Summit & Pinnacle
  • No annual fee
  • No cash advance fees
  • 25-day grace period on purchases
  • Zero liability for unauthorized transactions
  • Identity theft protection included
  • 24/7 roadside assistance
  • Cash back deposited automatically — no redemption steps required
  • Manage your card anytime with online & mobile banking tools
Apply for Cobalt Rewards
Card Agreement
Cobalt Edge Credit Card

Cobalt Edge

Our Lowest Rate

Low APR

Best for carrying a balance & balance transfers

Ideal for members who carry a monthly balance or want to transfer high-interest debt. Enjoy our lowest interest rate and 0% APR for 12 months on balance transfers.

0% Balance Transfer Promo: Enjoy 0% APR for 12 months on balances transferred within 90 days of account opening. A 4% balance transfer fee applies.

Card Features

  • Our lowest interest rate available
  • 0% APR for 12 months on balance transfers (must initiate within 90 days of opening; 3% transfer fee)
  • No annual fee
  • No cash advance fees
  • 25-day grace period on purchases
  • Low 2.5% minimum monthly payment
  • $10,000 minimum credit limit
  • Zero liability for unauthorized transactions
  • Identity theft protection included
  • 24/7 roadside assistance
  • Consolidate multiple balances into one simple monthly payment
  • Monitor balances and payments anytime with online & mobile banking
Apply for Cobalt Edge
Card Agreement

All loans are on approved credit basis. Credit card rates are variable. Cash back rates are based on your relationship tier with Westmark: Horizon (<20 pts), Summit (20 pts), Pinnacle (40+ pts). Cash back is deposited to your Primary Savings account in July and December. Balance transfer promo: 0% APR for 12 months on balances transferred within 90 days of account opening; 3% balance transfer fee applies. Home Equity Visa is also available—learn more.

Credit Card Rates

Rates are tiered based on your credit score. The better your credit, the lower your rate.

📄 Rates embed (preview)
These rates #credit-card-rates-widget will appear on the live site but not in the CMS. To edit rates, edit the content on the main Rates page.

How Cash Back Works

The Cobalt Rewards Credit Card makes every purchase count. Unlike flat-rate cash back cards, Cobalt Rewards is built around your relationship with Westmark Credit Union — the more products and services you use, the higher your tier and the more you earn, up to 2% cash back on every eligible purchase. There's no annual fee, no complicated categories to track, and no points to redeem. Your cash back is calculated automatically on all net eligible purchases and deposited directly to your Primary Savings account twice a year.

Horizon

< 20 points

1%

Summit

20 points

1.5%

Pinnacle

40+ points

2%

Cash back is deposited to your Primary Savings account every July and December — no action required on your part. You can start earning from day one, and your tier is evaluated based on your overall relationship activity with Westmark, including checking, savings, loans, and more.

Want to earn even more? Pair your Cobalt Rewards card with a True Blue Rewards Spend checking account and earn up to 0.5% cash back on debit card purchases too — giving you cash back on virtually every transaction you make. Both cards share the same relationship tier, so every qualifying activity boosts your rewards across the board.

Apply for Cobalt Rewards

How to Earn Activity Points

Your tier is based on points you earn through everyday banking with Westmark. Most members reach Summit (20 pts) quickly — and with 85 points possible, Pinnacle is well within reach.

Activity Points
Aggregate share balance over $1,000 10
Active Checking 5
Active Credit Card 5
Branch Auto Loan 5
Home Equity Line or Loan 5
Certificates or Money Shares 5
Other Loan 5
First Mortgage 5
15+ Card Transactions 10
15+ Checks/ACH 10
2+ Deposits 10
4+ Online Banking Transactions 5
Wealth Management 5

Tier thresholds: Horizon = <20 pts · Summit = 20 pts · Pinnacle = 40+ pts · Maximum possible: 85 pts

Manage Your Card

Tools to help you stay in control of your credit card.

CardComplete

Set spending limits, get transaction alerts, and lock your card instantly—all from your phone.

Learn More About CardComplete

Mobile Wallet

Add your card to Apple Pay, Google Pay, or Samsung Pay for fast, secure tap-to-pay.

Set Up Mobile Wallet

Lost or Stolen Card?

Report it immediately

What to Do If Your Card Is Lost or Stolen

If your Westmark credit or debit card is lost or stolen, call us immediately to report the loss and protect your account from unauthorized use.

24/7 Debit and Credit Card Assistance

(208) 523-1071 or 1-800-574-5626 (Toll Free)

Our team is available 24 hours a day, 7 days a week to help you secure your account and issue a replacement card.

Frequently Asked Questions

Common questions about Westmark credit cards.

The Cobalt Rewards card earns up to 2% cash back on purchases—ideal if you pay off your balance each month and want to earn rewards. The Cobalt Edge card offers our lowest interest rate and 0% APR for 12 months on balance transfers (3% fee; must initiate within 90 days)—best if you carry a balance or want to transfer high-interest debt from other cards. Both cards include no annual fee, no cash advance fees, zero liability protection, identity theft protection, and 24/7 roadside assistance. View current rates.

With the Cobalt Rewards card, your cash back percentage is determined by your relationship tier with Westmark: Horizon (<20 points) earns 1%, Summit (20 points) earns 1.5%, and Pinnacle (40+ points) earns 2%. Cash back is automatically deposited to your Primary Savings account in July and December.

The Cobalt Edge card offers 0% APR for 12 months on balance transfers that are initiated within 90 days of account opening. A 3% balance transfer fee applies. This is a great way to consolidate high-interest credit card debt and save money on interest while you pay it down.

No! Both Cobalt Rewards and Cobalt Edge credit cards have no annual fees. You keep more of your money where it belongs.

Yes, credit cards are available only to Westmark members. Joining is easy—you can apply for membership and your credit card at the same time. Membership requires a Primary Savings account with just a $5 minimum deposit.

Cash back from the Cobalt Rewards card is automatically deposited to your Primary Savings account twice a year—in July and December. There's nothing you need to do; it happens automatically.

Call us immediately at (208) 523-1071 or toll-free at 1-800-574-5626. Our team is available 24/7 to secure your account and issue a replacement card. Acting quickly helps protect you from unauthorized charges.