Credit Cards Features & Benefits ^{footnote 1}

Online Services

With Card Management on CEFCU On-Line and Mobile Banking, you have more control of your Credit Card. You have options to:

• Report your Card lost or stolen
• Temporarily turn your Card off/on
• Set travel plans to let us know your Card will be used outside your normal locations
• Request a Credit Line Increase ^{footnote 1}
• Set up Alerts & Controls
• Review credit limit and available credit
• See minimum payment due & due date

Visit Card Management under the Services tab in your online banking account.

ID Protection ^{footnote 2}

Mastercard ID Theft Alerts™ and ID Theft Protection™

Monitors your identity and online card information and alerts you if potential fraud is detected. Plus, provides you with expert assistance 24/7 should you become the victim of Identity Theft. To learn more or to register for the service, visit mastercard.us/idtheftalerts .

ID Theft Resolution

Enjoy professional support resolving ID theft incidents. Experts guide you through the process and are available 24/7 at 1.800.MASTERCARD.

Travel ^{footnote 3}

Your CEFCU Credit Mastercard provides you with:

• Trip Cancellation Insurance: Protects you from non-refundable payments or deposits if your trip is interrupted or canceled for covered reasons and you purchased your common carrier tickets with your eligible Mastercard.
• Baggage Delay Insurance: Reimburses you for replacing essential personal or business items in your baggage, if the baggage you have checked on to a common carrier is delayed in transit and your tickets were purchased using an eligible Mastercard.
• Master RoadAssist® Roadside Assistance: Arranges emergency roadside assistance — such as jump-starts, tire change, towing, and gas delivery — if you get stuck on the road while traveling in the U.S. Service fees are pre-negotiated and billed to your eligible Mastercard.
• Access to Airport Concierge: Arrange for a personal, dedicated Meet & Greet agent to escort you through the airport on departure, arrival, or any connecting flights, 24/7/365 at more than 450 destinations worldwide.
• MasterRental® Coverage: Pays for covered damages (physical damage and theft) to a rental vehicle when your eligible Mastercard is used to initiate and pay for the entire rental transaction.
• Mastercard Global Service™: Provides 24/7 assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, replacing lost travel documents, medical referral, assistance with locating ATMs, and help with account-related questions by calling 1.800.MASTERCARD (1.800.627.8372).
• Master Assist Travel Assistance Services: Provides pre-trip destination information such as visa/passport requirements, immunization, and help with lost/stolen travel documents and luggage. Also provides help with referrals to a network of physicians, arranging hospital transfers, and referrals to attorneys, local embassies, and consulates, if you are traveling more than 100 miles from home.
• Priceless® Cities: Registered cardholders can book amazing one-of-a-kind experiences in dining, shopping, sporting events, concerts, plus be the first to know about premier events and other offers in some of the world’s most exciting cities, available only to Mastercard cardholders.

Digital Wallets

Digital Payment Options

Make secure online and in-store purchases with your phone, watch, or other device. Your CEFCU Credit Mastercard works with several digital wallets.

Click to Pay with Mastercard

Use your CEFCU Credit Mastercard in Click to Pay to check out quickly and securely online at participating merchants.

Your CEFCU Credit Mastercard allows you to safely store your card and other payment methods in Click to Pay so you can check out online quickly at participating merchants.

Click to Pay by Mastercard FAQ

Rewards ^{footnote 4}

With the CEFCU Rewards Credit Mastercard or World Credit Mastercard, you’ll earn Rewards points for every dollar of net purchases made with your card. Plus, you can earn bonus points on merchandise and travel purchased through CURewards.

As you earn points, redeem them for:

• Airline Tickets with no blackout dates.
• Vacation packages including cruises, hotels, and more.
• Merchant gift cards.
• Car Rentals.
• Merchandise including jewelry, electronics, and more, starting with as few as 2,500 points.

Cash Back ^{footnote 6}

With a CEFCU Cash Back Credit Mastercard, you'll earn 1.5% cash back on every qualifying purchase¹ — with no cap to the amount you can earn back.

As you earn, you can choose to redeem:

• For statement credit on your CEFCU Credit Mastercard
• As a deposit to your CEFCU Savings or Checking account

Plus, you get all the benefits of the CEFCU Credit Mastercard!

Fuel Rewards® program

A free loyalty program that helps you save money on fuel purchases just by using your CEFCU Credit Mastercard. Learn more and enroll at www.fuelrewards.com/how .

World Mastercard

• Higher minimum credit line.
• Additional bonus points when shopping select categories: 1.5 points per dollar on fuel and 2 points per dollar on dining, lodging, airfare, and auto rentals.
• Concierge Service: Enjoy exclusive, personal assistance with dinner reservations, event tickets, locating hard-to-find items, buying and delivering gifts, and coordinating business-related arrangements. ^{footnote 1}
• No foreign transaction fee when you’re traveling abroad.
• Luxury Hotel and Travel Options: Enjoy the perfect accommodation from a unique collection of exceptional hotels and resorts with a room upgrade, early check-in, late check-out, complimentary breakfast for two daily, exclusive amenities, and more. Plus, receive periodic special offers on airline tickets, cruises, and other travel. ^{footnotes 1,5}

Shopping Benefits⁷

• Extended Warranty: Doubles the original manufacturer’s (or U.S. store-brand) warranty for up to 12 months — 24 months for World Card — on most new items purchased entirely with your CEFCU Credit Mastercard.
• Price Protection: If you purchase a new item with your card and then see it advertised for less within 60 days (or 120 for World Card) this benefit can refund the difference.
• Contactless cards with Tap and Go® to complete purchases quickly and securely.
• Zero Liability: Protection for unauthorized purchases, whether they were made in a store, over the phone, or online.⁸
• EMV Chip Technology for an extra layer of security when your card is used at merchants with chip-enabled terminals.

Contact us for more details.

1. Certain conditions, restrictions, and exclusions apply. For full details, see the Credit Card Disclosures, Guide to Benefits, or contact CEFCU. Complete details are available in the CEFCU Credit Mastercard and Rewards Mastercard Cardholder Agreement.

2. ID Protection
Identity Theft Alerts monitors your online identity and card information and alerts you if potential fraud is detected. Learn more and enroll at mastercard.us/idtheftalerts.

3. Travel
Baggage Delay Insurance reimburses you for replacing essential personal or business items in your baggage, if the baggage you have checked on to a common carrier is delayed in transit and your tickets were purchased with your CEFCU Credit Mastercard.

Trip Cancellation Insurance protects you and your family against forfeited, non-refundable, unused payments, and deposits if your trip is interrupted or cancelled and you have purchased your common carrier tickets with your eligible CEFCU Credit Mastercard.

MasterAssist Travel Coverage provides assistance when traveling — including emergency medical assistance, prescriptions, legal assistance, and Master RoadAssist service if your car breaks down while traveling in the U.S. — by calling 1.800.MASTERCARD (1.800.627.8372).

MasterRental® Coverage pays for covered damages (physical damage and theft) to a rental vehicle when you initiate and pay for the entire rental transaction with your eligible CEFCU Credit Mastercard.

4. Rewards
Select transactions, such as cash advances, balance transfers, insurance charges posted to the account, and others, are excluded from earning points. Points cannot be transferred from the CEFCU Rewards or World Credit Card program to the CEFCU non-Rewards Credit Card program and must be used before the Rewards or World Card is closed. Points can exist on an account for up to five calendar years and will start to expire in the 5th calendar year. Rewards points earned on CEFCU Credit Cards are administered by CURewards (“the Program”) on behalf of CEFCU and are NOT: a deposit; obligations of CEFCU, the NCUA, or any affiliated entity; insured by the National Credit Union Share Insurance Fund. Learn more at by logging in to CEFCU On-Line. Complete program details will be provided when you receive your Rewards or World Credit Mastercard.

Points earned through Shop and Earn will be added to your total redeemable point balance. Bonus point offers on purchases made through the Shop and Earn program (for both online and in-store offers) will vary by merchant and change frequently. To earn bonus points, you must enroll your card through CEFCU On-Line, then use the Shop and Earn tab to access links to participating merchants and available offers. Or, call Member Service at 1.866.597.1575.

5. Limited quantities, subject to availability.

6. A CEFCU Cash Back Credit Mastercard earns 1.5% cash back rewards for each $1 spent on “eligible” “net purchase transactions” made with the card, rounded up or down to the nearest one cent. “Eligible” purchase transactions do not include cash advances, cash equivalent transactions (such as the purchase of gift cards or cryptocurrency), convenience checks, balance transfers, gambling, insurance charges, or fees of any kind, including finance charges, foreign transaction currency conversion charges, late fees, over limit fees, returned check fees, ACH, Tele-Entry or Autopay fees and ATM cash advance fees, and are excluded from earning cash back. Cash back rewards are not transferable to another rewards program and must be used before the CEFCU Cash Back Credit Mastercard is closed.

“Net purchase transactions” means the sum of your eligible purchase transactions minus returns and refunds.

The amount of cash back earned on an eligible net purchase transaction is calculated by multiplying the amount of that transaction by 1.5%.

7. Shopping
Extended Warranty doubles the original manufacturer’s (or U.S. store brand) warranty for up to 12 or 24 months on most new items purchased entirely with your CEFCU Credit Mastercard.

Price Protection covers purchases should you find a lower price for a new item within 60 or 120 days (CEFCU Credit Mastercard and CEFCU Rewards Credit Mastercard are 60, CEFCU World Mastercard is 120) from the date of purchase using your eligible Mastercard, so you may be reimbursed for the price difference. Certain terms, conditions, and exclusions apply. See the CEFCU Credit Mastercard Cardholder Guide to Benefits or the CEFCU World Credit Mastercard Cardholder Guide to Benefits for complete terms and conditions or call 1.800.Mastercard (1.800.627.8372) for assistance.

8. Zero Liability
The Mastercard Zero Liability program protects against unauthorized purchases. See www.mastercard.com/zeroliability for full terms and conditions.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International. Priceless and World Mastercard are registered trademarks and Mastercard ID Theft Protection, Mastercard ID Theft Alerts and Priceless Cities are trademarks of Mastercard International Incorporated.

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