The Today Card is a new credit card designed for people who are building or rebuilding their credit. The card doesn’t offer a rewards program, but it does come with a suite of “prime” features, such as:

  • Card Alerts
  • Access to their credit report (TodayView)
  • The ability to add additional users to the account (TodayShare)
  • Fraud controls
  • A larger credit line
  • A full-service website and mobile app.

How it Works:

Currently, the program prescreens potential customers and sends either an email or a flyer in the mail to encourage them to apply for the Today Card. Customers apply online. Payments are made via either the Today Card website, mobile app, over the phone, or by mail. As customers show responsible credit behavior, it will beneficially impact their credit reports.

Frequently Asked Questions

Today Card™ Mastercard® is issued by Capital Community Bank, a Utah Chartered bank, located in Provo Utah, Member FDIC, pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. Today Card prides itself on providing an exceptional customer experience which includes market-leading product features and benefits to customers who are building or re-building their credit.

APR stands for Annual Percentage Rate. APR is the cost of credit expressed as an annual percentage. Your APR is a variable rate determined by adding a certain percentage (outlined in your cardholder agreement) to the U.S. Prime Rate published in The Wall Street Journal on the last business day of the month. An increase or decrease in the Prime Rate will cause a corresponding increase or decrease in your variable APR on the first day of your billing cycle that begins in the month immediately following the change in the Index. If your APR increases, the amount of interest you will owe and the Minimum Payment Due may increase. To determine the monthly periodic rate, divide the APR by 12 months. To determine a daily periodic rate, divide the APR by 365 days.

Yes, you can schedule automatic payments from your checking account on a specified day of each month. Just log into your account online, enter your checking account information, and select your scheduled date of the month. If you select a date that falls on a non-business day, your payment will be withdrawn on the next business day. All payments submitted after 5pm ET will be posted the next business day. You can also make one time payments from the “Account Summary” page when you log into your account. To pay your bill online, go to:

From time to time, we may review your payment and credit history to determine if your account is eligible for a change to your credit limit. To be considered for future credit limit increases, you must meet the following criteria:

  • Make on-time payments
  • Meet our debt-to-income requirements
  • Keep your account in good standing

TodayView is a tool that allows you to check your TransUnion® credit score, and sends you alerts for recent changes to your credit score.