World Mastercard® |
RateWise Mastercard® |
Cash Back World Mastercard® |
|
 Apply Now |
 Apply Now |
 Apply Now |
|
| Rate | 14.15% - 18.00% APR1 | 13.15% - 18.00% APR1 | 14.15% - 18.00% APR1 |
| Digital Wallets | Yes | Yes | Yes |
| Rewards | Earn points towards travel, merchandise and cash rewards | No | Earn points towards cash back and gift cards |
| Unlimited Points | Yes | Yes | Yes |
| Annual Fee | 0.00 | 0.00 | 0.00 |
| Balance Transfer Fee | 0.00 | 0.00 | 0.00 |
| Cash Advance Fee | Yes ($25 cap) | Yes ($25 cap) | Yes ($25 cap) |
| Variable Rate Cap | 18% cap | 18% cap | 18% cap |
| Penalty Rate | No | No | No |
| Minimum Credit Line | $1000 | $500 | $1000 |
| Zero Liability | Yes | Yes | Yes |
| MasterCard Global Services™ | Yes | Yes | Yes |
| MasterCard Travel Services™ | Yes | No | Yes |
| ID Theft Resolution Services | Yes | Yes | Yes |
| Chip Technology | Yes | Yes | Yes |
| Just Tap & Go™ contactless technology | Yes | Yes | Yes |
Custom Class
| World Mastercard<sup>®</sup> | No |
| RateWise Mastercard<sup>®</sup> | No |
| Cash Back World Mastercard<sup>®</sup> | No |
Rate
| World Mastercard<sup>®</sup> | 14.15% - 18.00% APR1 |
| RateWise Mastercard<sup>®</sup> | 13.15% - 18.00% APR1 |
| Cash Back World Mastercard<sup>®</sup> | 14.15% - 18.00% APR1 |
Digital Wallets
| World Mastercard<sup>®</sup> | Yes |
| RateWise Mastercard<sup>®</sup> | Yes |
| Cash Back World Mastercard<sup>®</sup> | Yes |
Rewards
| World Mastercard<sup>®</sup> | Earn points towards travel, merchandise and cash rewards |
| RateWise Mastercard<sup>®</sup> | No |
| Cash Back World Mastercard<sup>®</sup> | Earn points towards cash back and gift cards |
Unlimited Points
| World Mastercard<sup>®</sup> | Yes |
| RateWise Mastercard<sup>®</sup> | Yes |
| Cash Back World Mastercard<sup>®</sup> | Yes |
Annual Fee
| World Mastercard<sup>®</sup> | 0.00 |
| RateWise Mastercard<sup>®</sup> | 0.00 |
| Cash Back World Mastercard<sup>®</sup> | 0.00 |
Balance Transfer Fee
| World Mastercard<sup>®</sup> | 0.00 |
| RateWise Mastercard<sup>®</sup> | 0.00 |
| Cash Back World Mastercard<sup>®</sup> | 0.00 |
Cash Advance Fee
| World Mastercard<sup>®</sup> | Yes ($25 cap) |
| RateWise Mastercard<sup>®</sup> | Yes ($25 cap) |
| Cash Back World Mastercard<sup>®</sup> | Yes ($25 cap) |
Variable Rate Cap
| World Mastercard<sup>®</sup> | 18% cap |
| RateWise Mastercard<sup>®</sup> | 18% cap |
| Cash Back World Mastercard<sup>®</sup> | 18% cap |
Penalty Rate
| World Mastercard<sup>®</sup> | No |
| RateWise Mastercard<sup>®</sup> | No |
| Cash Back World Mastercard<sup>®</sup> | No |
Minimum Credit Line
| World Mastercard<sup>®</sup> | 1000.00 |
| RateWise Mastercard<sup>®</sup> | 500.00 |
| Cash Back World Mastercard<sup>®</sup> | 1000.00 |
Zero Liability
| World Mastercard<sup>®</sup> | Yes |
| RateWise Mastercard<sup>®</sup> | Yes |
| Cash Back World Mastercard<sup>®</sup> | Yes |
MasterCard Global Services™
| World Mastercard<sup>®</sup> | Yes |
| RateWise Mastercard<sup>®</sup> | Yes |
| Cash Back World Mastercard<sup>®</sup> | Yes |
MasterCard Travel Services™
| World Mastercard<sup>®</sup> | Yes |
| RateWise Mastercard<sup>®</sup> | No |
| Cash Back World Mastercard<sup>®</sup> | Yes |
ID Theft Resolution Services
| World Mastercard<sup>®</sup> | Yes |
| RateWise Mastercard<sup>®</sup> | Yes |
| Cash Back World Mastercard<sup>®</sup> | Yes |
Chip Technology
| World Mastercard<sup>®</sup> | Yes |
| RateWise Mastercard<sup>®</sup> | Yes |
| Cash Back World Mastercard<sup>®</sup> | Yes |
Just Tap & Go™ contactless technology
| World Mastercard<sup>®</sup> | Yes |
| RateWise Mastercard<sup>®</sup> | Yes |
| Cash Back World Mastercard<sup>®</sup> | Yes |
1 Rates in effect as of 10/01/2023, are based on the Prime Rate, and subject to change. Rates are subject to semi-annual credit review and may be adjusted if your credit rating changes. The maximum interest rate will never exceed the rate permitted under the Federal Credit Union Act (currently, this maximum is 18.00%). Click here to view our credit card disclosures.
Certain limitations and restrictions apply to the benefits listed above. For details contact Mastercard Assist at (800) MC-ASSIST.