Get fast decision on a personal credit cards in St. Louis

It’s the perfect companion for your everyday purchasing needs. Get a low rate. Pay no fees for balance transfers. Apply online, right now, for personal credit cards in St. Louis.

Credit card application online Contact us

Better rates than banks and big boxes

Our fixed-rate personal credit cards in St. Louis start at a much lower rate (9.90% APR*) than big bank and big box retailer options. Plus, you’ll pay no penalty rate if you accidentally miss your payment and get a 25-day grace period.

Arsenal Rate:

9.90%

APR

Big Banks:

14.99%

to 17.99% APR

Big Box Stores:

26.99%

APR

Transfer high-interest balances for free

Feel like you’re not making a dent on your current, high-interest credit cards? Transfer the balance. There’s no fee, so you pay off more principal and get on your way to being debt free faster. Most credit cards charge a percentage of your balance transfer or up to $300.

Pay fewer fees

A lot of financial institutions charge pesky fees on their credit cards at regular intervals or for certain types of transactions. Your personal credit card from Arsenal eliminates unnecessary fees, giving you more freedom to use your card however and whenever you want.

No monthly fees

No setup fee

No program fee

No monthly servicing fee

No minimum finance charges

No transaction fees

No cash advance fees

No balance transfer fees

Take control. Prevent Fraud.

You’re in control. Lock/unlock your credit card, set up alerts/controls, make payments, create travel notices and so much more with Card Management. This service is free and easy to use within online + mobile banking.

More about Card Management

Keep your personal credit card at the top of your digital wallet

Leave your wallet at home and make purchases using your phone. Set your Arsenal credit card up on Apple Pay, Google Pay and Samsung Pay for extra convenience and flexibility.

Learn more about mobile payments

One of the best credit cards for beginners

If you have little to no credit history, a secured card is a great option for you. You’ll build credit with responsible card use. Credit limits are based on how much you have on deposit in your Arsenal savings account. Contact us or apply online to experience one of the best credit cards for beginners.

Credit card application online

What are people saying?

“Hassle-free and very friendly, quick service.”

Mark M.
Member

Apply online and get a quick decision

You're on your way to saving more money with your credit card.

Credit card application online Find a branch near you

*APR=Annual Percentage Rate. Rates as of 4.1.2025. Subject to change. Read our credit card agreement and disclosure. Credit union membership and qualifications are required. Loan terms and conditions depend on credit qualifications and approval. See if you’re eligible to join the credit union here. For assistance opening accounts, applying for loans and other general inquiries, start a live chat during normal business hours.