Credit Cards

Nice rates, nice rewards, nice benefits...

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Credit Cards

Enjoy personal service and great value when you choose one of the CEFCU Credit Card options — the CEFCU MasterCard®, Rewards MasterCard, or the World MasterCard.

Traditional Traditional
Contemporary Contemporary
Patriotic Card Design Patriotic
Peoria Skyline Card Design Peoria Skyline
World Card Design World
Card Details* MasterCard MasterCard Rewards MasterCard World
APR 8.50% Variable* 9.50% Variable* 9.50% Variable*
Higher Minimum Credit Line
No Annual Fee
Rewards MasterCard MasterCard Rewards MasterCard World
CURewards® Mall
CEFCU Gift Cards
Fuel Rewards Network
Bonus Points
Additional Bonus Points
Travel MasterCard MasterCard Rewards MasterCard World
Baggage Delay Insurance
Emergency 24-Hour Card/Cash Service
Luxury Travel Services
MasterAssist Travel Services
No Foreign Transaction Fee
Roadside Service
Travel Accident Insurance
Trip Cancellation Insurance
Shopping MasterCard MasterCard Rewards MasterCard World
Extended Warranty
Price Protection
Purchase Assurance
Security & Online Services MasterCard MasterCard Rewards MasterCard World
Identity Theft Alerts
ID Theft Resolution
Online Transactions Viewing
Zero Liability
Extra Perks MasterCard MasterCard Rewards MasterCard World
Balance Transfers
Grace Period on Purchases 25 days 25 days 25 days
Priceless Cities

A CEFCU MasterCard allows you to access your credit line at more than 100 CEFCU Money Center 24® ATMs, plus Cirrus® and MasterCard ATMs worldwide.

Apply online to start enjoying the benefits of the CEFCU MasterCard, Rewards MasterCard, or World MasterCard.

Purchase Assurance

Provides coverage for most items you purchase with your eligible MasterCard card if the item is damaged or stolen within 90 days of the date of purchase.*

Zero Liability

Pay only for purchases which you have authorized on your MasterCard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get Details.

Take advantage of all the online resources available with your
CEFCU MasterCard.

Online Services

Log in to CEFCU On-Line® to access Credit Card Services to check your:

  • Credit limit
  • Available credit
  • Last statement balance
  • Current balance
  • Minimum payment due
  • Payment due date


Use your CEFCU Rewards and World MasterCard to earn and redeem Rewards you can use for:


Enjoy your trip more with all the services CEFCU MasterCard offers.

  • Baggage Delay Insurance
  • Emergency 24-Hour card/
    Cash Service
  • Roadside Service
  • Travel Accident Insurance
  • Trip Cancellation Insurance

Plus, count on MasterAssist Travel Services for any emergencies during your trip. Call 1.800.MASTERCARD for assistance.


Report your lost or stolen CEFCU MasterCard to CEFCU immediately.

  • 309.633.3763
  • 800.542.3328

NOTE: For security reasons, you cannot report a lost or stolen card through email.

MasterCard In Control

Register your CEFCU MasterCard Credit Card for MasterCard In Control for additional control and protection. This free service delivers email and mobile alerts so you can:

  • Track purchases in real time.
  • Shop online or by phone with increased security.
  • Enjoy additional fraud protection.

Enroll in MasterCard In Control today.


CEFCU has partnered with MasterCard to launch CEFCU MasterPass. CEFCU MasterPass is a free digital wallet you can use to make convenient, secure payments online.

With MasterPass, you’ll safely store your CEFCU MasterCard and Debit MasterCard information (along with any other payment methods you choose). Then, checkout online at participating merchants with just a few easy clicks. View a video, read the FAQ, or get started with CEFCU MasterPass.

World Card Benefits

  • Higher minimum credit line
  • Additional bonus points
    For World cardholders when shopping select categories.
  • Concierge
    Recommendations and reservations for dining, travel, hotels, entertainment, sporting events.
  • No foreign transaction fee
    For World cardholders traveling away from home.
  • Luxury travel services
    Luxury experiences, offers, upgrades, amenities, preferential treatment.

To see if you qualify for a World MasterCard, contact CEFCU for complete details on categories and eligibility.

*Certain conditions, restrictions, and exclusions apply. For full details, see the Credit Card Disclosures, Guide to Benefits, or contact CEFCU.

**The 25-day grace period is only effective when previous balance is paid in full within the first 25 days of the billing cycle. Complete details are available in the CEFCU MasterCard and Rewards MasterCard Cardholder Agreement.

Contact CEFCU for additional information on any conditions, restrictions, and exclusions.

††Select transactions — like cash advances, balance transfers, and insurance charges posted to the account — are excluded from earning points. Points cannot be transferred from the CEFCU MasterCard Rewards program to the non-rewards program and must be used before the Rewards Card is closed. Rewards points earned on CEFCU MasterCard Rewards are administered by CURewards on behalf of CEFCU and are NOT: a deposit; obligations of CEFCU, the National Credit Union Administration (NCUA), or any affiliated entity; insured by the National Credit Union Share Insurance Fund. Points earned through the CURewards Mall will be added to your total redeemable point balance and will assume the expiration period set on CEFCU's program. Points available on purchases made through the CURewards Mall will vary by merchant and can range from one to 10 bonus points, or more, per dollar. Bonus points earned on travel purchases are calculated on the cost of the purchase, minus tax. Bonus points earned through CURewards Mall are calculated on card transactions as defined by the various Mall merchant partner offers, and may exclude applicable shipping, tips and taxes. For example, if the total purchase was $100 ($80 for the item; $20 for taxes and shipping), base points would be earned on the $100, but bonus points may only be calculated on $80. Check the CURewards Mall for current bonus offers and details on earning points for both online and in-store merchant offers. For complete details, review the CEFCU MasterCard Rewards Guide or Visit