My Cash Back Credit
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Earn cash back with the Consumers Cash Back Mastercard® anytime for any purchase. Then turnaround and redeem for cash rewards or statement credit.

Bonus: New cardholders can earn an additional 3.00%1 cash back on every purchase for the first 6 months and will receive an introductory 0% APR* on balance transfers for the first 7billing cycles after account opening and transferred balances within 45 days. A 4.00% transfer fee (minimum $5) will apply. See details

My Rewards Credit
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You work hard for your money and deserve to be rewarded! With your Consumers Rewards Mastercard® you get to choose how to redeem the points you earn while making everyday purchases. What’s your pleasure—gift cards? Travel? It’s up to you.

Bonus: New cardholders can earn 3x points2 on every purchase for the first 6 months and will receive an introductory 0% APR* on balance transfers for the first 7billing cycles after account opening and transferred balances within 45 days. A 4.00% transfer fee (minimum $5) will apply. See details

My Low Rate Credit
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Because every dollar matters to you, your Consumers Low Rate Mastercard® brings you our best value to help you save on purchases. Get the service you expect plus a competitive low interest rate.

Bonus: New cardholders can get an introductory 4.99% APR on purchases for the first 7 billing cycles following account opening. After that, the APR will revert to the cardholder’s standard variable rate (10.49% – 22.99%). You will also receive an introductory 0% APR* on balance transfers for the first 7billing cycles after account opening and transferred balances within 45 days. A 4.00% transfer fee (minimum $5) will apply. See details

Give a little credit to your business.

Leverage your spending to reap rewards for your business with a Consumers Business Rewards Mastercard®. This card can help you manage cash flow, while earning points that can be redeemed for gift cards, travel, merchandise and more!

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What Makes Consumers Cards Special?
Local superior service

Work with the teams you know and trust at Consumers

Zero liability

Protection on personal cards against unauthorized purchases should your card be lost or stolen

Mastercard Global Service

Around the clock cardholder assistance

Identity theft protection

Receive assistance reporting identity theft on your personal card. Sign up for free here.

Purchase assurance for businesses

Get 90-day protection for purchases against damage or theft

Card controls

Manage your cards through features that allow you to request and activate new credit cards, access rewards, turn credit cards on/off and set up alerts.

> View the how-to guide

Additional Credit Card Benefits
Mobile wallets

Update your credit card information for online automated payments (i.e. electric bill or Amazon.com) and in your mobile wallet to make sure you get Mastercard® benefits non-stop.

Tap & Go® payments at participating merchants are actually more secure and quicker. You can add your card to any of these mobile wallet apps:

Please follow your manufacturer’s instructions.

Always secure

Whether you use your Mastercard to shop online, by phone or in stores, every purchase is backed by Zero Liability protection. That means you won’t be held responsible in the event someone makes unauthorized purchases with your card. Plus, all our cards have chip technology, which is the industry standard security feature to help reduce credit card fraud on all card transactions.

Tap and Go®

Tap & Go® (formally “Tap & Pay”) chip technology, sometimes known as contactless, gives your card greater fraud protection and allows you to either tap, insert or swipe your card when making purchases. Look for this sign at your favorite merchants and simply tap your card at the reader to pay.

Travel notifications

If you are traveling out of town, let us know by giving us a call or filling out a travel notice in Online Banking, so your service is not interrupted.

Credit score feature

Within Online Banking, you can check your credit score for free—daily if you wish! You’ll also have access to credit reports, get an understanding of key factors that impact your score, and receive other personalized offers and opportunities to improve your credit.

Helpful tools

Want to improve your credit score to get a better card deal? Check out our Credit Smart Program.

How long will it take me to pay off my credit card debt? Find out with our credit card repayment calculator.

Find your Mastercard benefits here.

Rates as of January 3, 2024. Approval subject to credit review. Rates, fees, and terms are subject to change and may be terminated at any time. For more information, please refer to your Truth in Lending Statement or Cardholder Agreement accompanying your card.

*Introductory 0% APR is available for balance transfers on new personal credit cards processed within 45 days after account opening and will apply for 7 billing cycles from date of credit card application approval. After 7 billing cycles, unpaid balances revert to the cardholder’s regular balance transfer APR (14.49% – 22.99%). Balance transfers submitted after 45 days of account opening will receive the cardholder’s regular balance transfer APR (14.49% – 22.99%). A fee of 4% of the amount of each transfer with a minimum of $5.00 will apply. The cardholder’s standard variable APR (10.49% – 22.99%) will apply to any other purchases made. Balance transfers will be processed as cash transactions and will incur finance charges immediately. The minimum payment will be applied to lowest rate balances first while all payments exceeding the minimum payment due each billing period will be applied to balances with higher APRs prior to balances with lower APRs. Balance Transfers may not be used to pay off credit cards or other loan accounts held with Consumers. Balance transfers do not

**Earn 1.50% Cash Back for every one dollar spent on purchases less credits, returns, and adjustments during a statement period. Cash advances, balances transfers, fees and finance charges do not earn Cash Back. Cash Back earned during your billing cycle will be disclosed on your credit card statement. Cash Back is available for redemption as transactions post. Members must redeem Cash Back in $1.00 increments. Cash Back redemptions to a deposit account or for statement credit will not satisfy the minimum payment due. This product is limited to personal credit cards.

1 Earn 3.00% cash back for every dollar spent on all purchases for the first six months after opening a new personal Cash Back credit card. Cash advances, balance transfers, fees and finance charges do not earn cash back and do not qualify as transactions. All other purchases will continue to receive cash back at the normal rate during the promotional period. Promotional cash back earned during your billing cycle will be disclosed on your credit card statement.

2 Earn 3x rewards points for every dollar spent on all purchases for the first six months after opening a new personal Rewards credit card. Cash advances, balance transfers, fees and finance charges do not earn points and do not qualify as transactions. Points for all other purchases will continue to accrue at one point per every dollar spent during the promotional period. Promotional rewards points earned during your billing cycle will be disclosed on your credit card statement.