MasterCard Plus Rewards

Is Your Credit Card Rewarding YouCredit Card 10k points in 60daysPlus Rewards

 

Our Plus Rewards MasterCard is ideal for you if you need a higher credit limit and usually pay your balance in full each month.

Features:

  • APR as low as 11.75%1
    Variable purchase APR from 11.75% to 20.75% based on your creditworthiness.

  • Earn 1.5 points for every dollar spent2

  • No annual fee3

  • No balance transfer fee3

  • Other benefits including Zero Liability, Extended Warranty Coverage, Purchase 
    Assurance and Identity Theft Protection & $150,000 Travel Accident Insurance

  • Plus Rewards MasterCards are enabled for Mobile Wallet Payments using ApplePay, SamsungPay or GooglePay. Learn more.

Apply Now!

Lost or stolen credit card? Please notify Financial Plus immediately at 1-800-234-5354.

1. See application for more details. 2. Every dollar is defined as the dollar value of goods and services purchased with the card after the enrollment date, minus any credits, returns or other adjustments as reflected on the monthly statements. Net purchases do not include cash advances, Pin-based transactions, traveler’s checks, convenience checks, annual fees, late payment fees, over-limit fees, insurance charges, card-related service charges, finance charges, fees and/or unauthorized charges. 3. Cash Advance Fee: Greater of 2% or $10; Foreign Transaction Fee: 1% of each transaction in U.S. Dollars.

How to Avoid Paying Interest on Purchases:
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau:
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Transaction/Penalty Fees:
- Foreign Transaction Fee 1.00% of each transaction in U.S. dollars
- Late Payment Fee Up to $15.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases).

Effective Date:
The information about the costs of the card described in this application is accurate as of January 1, 2020. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Mastercard and Mastercard Cash Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:
Late Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less, if you are three or more days late in making a payment.

Card Replacement Fee: $15.00.

Statement Copy Fee: $5.50.

Credit Slip/Receipt Reproduction Fee: $2.00.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.