--- title: ENVISTABLACK Built for Bold --- [Skip to content](https://info.envistacu.com/envistablack#main-content) [![EnvistaLogoWhite-1](https://info.envistacu.com/hubfs/EnvistaLogoWhite-1.png)](https://www.envistacu.com) English This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ![EnvistaBlack Logo white](https://info.envistacu.com/hs-fs/hubfs/EnvistaBlack%20Logo%20white.png?width=2000&height=300&name=EnvistaBlack%20Logo%20white.png "EnvistaBlack Logo white") ![ENVISTABLACK Built for Bold. (1)-1](https://info.envistacu.com/hs-fs/hubfs/ENVISTABLACK%20Built%20for%20Bold.%20(1)-1.png?width=1333&height=1354&name=ENVISTABLACK%20Built%20for%20Bold.%20(1)-1.png "ENVISTABLACK Built for Bold. (1)-1") # Extra Rewards. Local Support. The purchases you're already making could be earning more. With ENVISTABLACK, you get competitive rates, flexible rewards and local service from a partner you know and trust. Plus, take advantage of limited-time offers designed to help you get more from every swipe. [Apply Now](https://access.meridianlink.com/pos/envistacu_08202025/353c12e8-05c0-48f8-9f3a-84c30eb977ae/new) ## Limited-time EnvistaBlack offers: 1,000 BONUS POINTS For every $500 spent\*\* 4.9% PROMOTIONAL APR\* On purchases from Nov 1–Dec 31 ![ENVISTABLACK CREDIT CARD](https://info.envistacu.com/hs-fs/hubfs/ENVISTABLACK%20CREDIT%20CARD.png?width=200&height=320&name=ENVISTABLACK%20CREDIT%20CARD.png "ENVISTABLACK CREDIT CARD")   Everyday Bold Benefits  ENVISTABLACK is one of the most competitive credit cards around. ![Triangle](https://info.envistacu.com/hs-fs/hubfs/ENVISTABLACK%20Built%20for%20Bold.%20(2).png?width=26&height=26&name=ENVISTABLACK%20Built%20for%20Bold.%20(2).png) Low every day purchase rate starting at 12.25% APR† ![Triangle](https://info.envistacu.com/hs-fs/hubfs/ENVISTABLACK%20Built%20for%20Bold.%20(2).png?width=26&height=26&name=ENVISTABLACK%20Built%20for%20Bold.%20(2).png) No annual fee, no cash advance fee and no domestic transaction fee ![Triangle](https://info.envistacu.com/hs-fs/hubfs/ENVISTABLACK%20Built%20for%20Bold.%20(2).png?width=26&height=26&name=ENVISTABLACK%20Built%20for%20Bold.%20(2).png) No minimum interest charge ![Triangle](https://info.envistacu.com/hs-fs/hubfs/ENVISTABLACK%20Built%20for%20Bold.%20(2).png?width=26&height=26&name=ENVISTABLACK%20Built%20for%20Bold.%20(2).png) Rewards how YOU want them (cash back, statement credit, merchandise, travel) ![Triangle](https://info.envistacu.com/hs-fs/hubfs/ENVISTABLACK%20Built%20for%20Bold.%20(2).png?width=26&height=26&name=ENVISTABLACK%20Built%20for%20Bold.%20(2).png) Easy rewards and card controls in online and mobile banking ![Triangle](https://info.envistacu.com/hs-fs/hubfs/ENVISTABLACK%20Built%20for%20Bold.%20(2).png?width=26&height=26&name=ENVISTABLACK%20Built%20for%20Bold.%20(2).png) Tap-to-pay and mobile wallet convenience ![Triangle](https://info.envistacu.com/hs-fs/hubfs/ENVISTABLACK%20Built%20for%20Bold.%20(2).png?width=26&height=26&name=ENVISTABLACK%20Built%20for%20Bold.%20(2).png) Nationwide ATM access ![Triangle](https://info.envistacu.com/hs-fs/hubfs/ENVISTABLACK%20Built%20for%20Bold.%20(2).png?width=26&height=26&name=ENVISTABLACK%20Built%20for%20Bold.%20(2).png) Fraud monitoring and zero liability protection ![Triangle](https://info.envistacu.com/hs-fs/hubfs/ENVISTABLACK%20Built%20for%20Bold.%20(2).png?width=26&height=26&name=ENVISTABLACK%20Built%20for%20Bold.%20(2).png) Local and responsive service ## Earn More on Everyday Spending Whether you're shopping for the holidays, filling up your gas tank or streaming your favorite shows, ENVISTABLACK helps your spending go further. ### **Rewards Your Way.** - Earn bonus points in everyday spending categories - Redeem for cash back, statement credits, travel or merchandise - Manage rewards easily in online and mobile banking Because rewards should work the way you do.   [More about ENVISTABLACK Rewards](https://www.envistacu.com/loans/personal-loans/envistablack-credit-card.html) Your browser does not support the video tag. ## Paying Too Much Interest? Transfer high-interest balances and take advantage of a 2.9% introductory APR‡ for six months. Consolidating balances could help you save money and pay down debt faster.     ### See the difference. Example: $5,000 balance transfer paid off in 6 months. ### ENVISTABLACK Intro Balance Transfer Rate 2.9% APR‡ Balance Transfer Fee 3% ($10 min) Total Interest + Fee $192.38 ### Competitor Card Average Balance Transfer Rate 20.03% APR§ Balance Transfer Fee 5% Total Interest + Fee $546.12 Illustrative Savings $353.74§   ## Watch how easy it is to transfer a balance using your ENVISTABLACK card in online banking.   Want to feel more in control of your credit? Build smarter habits with our free credit guide. Whether you're just getting started or looking to improve, our **free digital Credit Guide** breaks it down — no jargon, no pressure. Perfect for first-time cardholders, students, or anyone wanting to take control of their financial future. [Download Your Free Credit Guide](https://info.envistacu.com/hubfs/Credit%20Guide%202025.pdf?hsLang=en) [Take Advantage of this Limited-Time Offer](https://access.meridianlink.com/pos/envistacu_08202025/353c12e8-05c0-48f8-9f3a-84c30eb977ae/new) ## Why Choose ENVISTABLACK? Not every rewards card comes with local support. ENVISTABLACK combines competitive rates, flexible rewards and the personalized service Envista members have come to expect. It's a credit card designed to help you make the most of everyday spending while keeping more money in your pocket. ## Ready to Earn More? Whether you're planning for the holidays, paying down existing balances or simply looking for a card that delivers more value, ENVISTABLACK is ready when you are. ### **Apply today and start earning more.** [Apply Now](https://access.meridianlink.com/pos/envistacu_08202025/353c12e8-05c0-48f8-9f3a-84c30eb977ae/new) ## See bold in motion. Get inspired by stories of people making bold decisions — and how ENVISTABLACK moves with them.     ## Need help? We've got you. Chat         [Online Banking & Mobile App](https://www.envistaonline.com/dbank/live/app/ql/all/3620045a5c) Email       [member.service@envistacu.com](mailto:member.service@envistacu.com) Call          785-228-0149 APR = Annual Percentage Rate. All loans are subject to credit approval. \*Promotional Purchase APR: The promotional purchase APR of 4.9% applies to qualifying new purchases posted to new and existing ENVISTABLACK Credit Card accounts in good standing from November 1 through December 31, 2026. The promotional APR applies for 6 billing cycles. After the promotional period, your standard variable purchase APR of 12.25%–17.00% applies, based on creditworthiness. Other restrictions may apply. See your ENVISTABLACK Credit Card agreement for full terms. \*\*Bonus Rewards: Earn 1,000 bonus rewards points for every $500 in qualifying purchases posted during a billing cycle, up to a maximum of 30,000 bonus points per billing cycle. Purchases must post within the applicable billing cycle to qualify. Bonus points are subject to change or termination. Additional terms and conditions may apply. †Standard Purchase APR: The standard variable purchase APR ranges from 12.25% to 17.00%, based on creditworthiness, and varies with the market based on the Prime Rate. See your ENVISTABLACK Credit Card agreement for full rate and fee information. ‡Introductory Balance Transfer APR: The promotional balance transfer APR of 2.9% is available to new cardholders for a period of 6 billing cycles and applies to qualifying balance transfers posted during the first 6 months following account opening. After the promotional period, your standard variable balance transfer APR of 12.25%–17.00% applies, based on creditworthiness, and varies with the market based on the Prime Rate. A fee of $10 or 3% of each balance transfer, whichever is greater, applies. Existing balances on Envista Federal Credit Union loan or credit card accounts are not eligible for the introductory balance transfer APR. See your cardholder agreement for additional terms. §Comparison and Illustrative Savings: Example assumes a $5,000 balance transfer paid off in 6 months. The comparison uses ENVISTABLACK’s 2.9% introductory APR and 3% balance transfer fee versus a competitor APR of 20.03% and a 5% balance transfer fee. Illustrative example only. Actual rates, terms and savings may vary. Insured by NCUA. 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