Credit Cards

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.

*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 www.curewards.com.