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Find the Right Card for You
We'll help you do it the smart way.
Feel good about building your credit — with a CEFCU Credit Mastercard.®* Equipped with features that help you reach your goals plus low rates, no annual fees, fraud protection, and ways to earn more along the way.
& balance transfers
Every Card Comes Packed With Perks
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Use advanced Card Services through CEFCU On-Line®.
- Set spending limits & transaction alerts
- Turn off your card temporarily
- Set travel notifications
- Report a card lost or stolen
- Reorder damaged card or PIN
- Set fraud alerts
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We keep our focus on a better value for you.
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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 professional support resolving ID theft incidents 24/7 at 1.800.MASTERCARD (1.800.627.8372). To learn more or to register for the service, visit https://mastercardus.idprotectiononline.com.
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Set up your credit card for Overdraft Transfer Plan and CEFCU will automatically transfer money into your Checking account from your credit card (if funds are available) to cover overdrafts — all with no overdraft fees!footnote 4
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When you travel with your CEFCU credit card you get: Master RoadAssist® for emergency roadside assistance, MasterRental® to cover damages in a rental, Priceless® Cities to book one-of-a-kind experiences. Learn more in your Credit Mastercard Guide to Benefits provided at time of account opening.
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Protection for unauthorized purchases, whether they were made in a store, over the phone, or online.
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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.
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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 card.
Which Credit Card Fits Your Life Best?
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Credit Mastercard
BEST FOR EVERYDAY PURCHASES
The Credit Mastercard gives you the freedom to make everyday purchases with low rates and no annual fee. Easily manage your account online — view transactions in real time, set up payments, enroll in alerts, and more.
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Cash Back
Credit MastercardBEST FOR GETTING MONEY BACK WHEN YOU SPEND
Enjoy all the perks of the Credit Mastercard, plus unlimited cash back on every qualifying purchase, easily redeemable as a statement credit or a direct deposit into your CEFCU accounts.
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Rewards Mastercard
BEST FOR POINTS
Get all the Credit Mastercard perks and earn 1 point for every dollar you spend. Easily use your points for gift cards, airline tickets (with no blackout dates), vacation packages, and more.
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World Mastercard
BEST FOR TRAVEL PERKS
The World Mastercard brings you more, with additional points on select purchases plus luxury travel perks, including concierge travel planning and exclusive offers on hotels, flights, and cruises.
Get The Most From Your Credit Card
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Add Cards to Your Virtual Wallet
Never leave your card behind — when you use digital wallets!
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Set Up Your Credit Card for Overdraft Protection
Keep your Checking account in the positive — add your CEFCU credit card to CEFCU’s free Optional Overdraft Transfer Plan!
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Consolidate Your High-Interest Balances
Ask about our FREE Balance Transfer offer and lower your interest rate & monthly payment.
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Increase Your Spending Power
Request a credit limit increase fast with online approval through Card Management. Just tap on the card you’d like to increase, then choose Credit Line Increase.
Tap, Pay, Done
Add your card to your phone and pay with a tap, anytime for fast, secure checkouts.
& balance transfers
Review Application And Solicitation Disclosure
* CEFCU Credit Mastercard offerings include: Credit Mastercard (Non-Rewards), Cash Back Mastercard, Rewards Mastercard, and World Mastercard.
- footnote 1 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 card.
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. - footnote 2 Pay only for purchases which you have authorized on your CEFCU credit card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get details.
- footnote 3 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.
- footnote 4 Transfers from your credit card accrue interest from the date of transfer at your Cash Advance rate.