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Credit Cards

Make your match & meet the — Perfect For You — Card.

When you choose any CEFCU Credit Mastercard® you get valuable benefits Footnote 1 starting with great rates, no annual fees, Zero Liability Protection Footnote 2, Online Card Alerts & Controls, + more!

Limited Time Offer 1.99% intro APR

for 12 months on Purchases & Balance Transfers

Take advantage now!

Credit Mastercard

Cash Back Credit Mastercard

Input your average monthly spending amount:
Average monthly cash back when you use your CEFCU Cash Back Credit Mastercard. Footnote 3

Rewards Mastercard

World Mastercard

All of our cards come with these great perks Footnote1

Our World Mastercard comes with a few Extras

Credit Card Resources


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

  2. Zero Liability: Pay only for purchases which you have authorized on your Credit Mastercard. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get details.

  3. Cash back: 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, 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%.

  4. Rewards: Select transactions — such as cash advances, balance transfers, and insurance changes posted to the account — are excluded from earning points. Points cannot be transferred from one CEFCU Credit Card program to another CEFCU Credit Card program or account and must be used before the Rewards Card is closed. Points can exist on an account for up to five calendar years and will start to expire at the end of the fifth calendar year. Rewards points earned on CEFCU Rewards or World Credit Cards are administered by CURewards (the Program) 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. Accounts must be open and in good standing (not canceled or terminated by either party, not delinquent, over limit, or otherwise not available to use for charges) at time of redemption. Rewards are not available when a cardholder is in default under the card agreement. View more program details in the CEFCU Mastercard Rewards Guide or CEFCU World Mastercard Guide .

    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. 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.

  6. Travel Perks: 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.

    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.

Contact us for more details.

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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