Personal Credit Cards
Get the credit you deserve
Consumers Credit Union has credit card options that make it easy to fit the way you live, work and play. And you get the flexibility to select the benefits you desire most, including rewards for every purchase, competitive rates, card controls and no annual fees! We accept applications from individuals who have an individual taxpayer identification number (ITIN) as well as those who have social security numbers.
Our cards are made with 85% upcycled plastic, allowing us to do our part to reduce the reliance on first-use plastics.
My Cash Back Credit
My Low Rate Credit
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!
Work with the teams you know and trust at Consumers
Protection on personal cards against unauthorized purchases should your card be lost or stolen
Around the clock cardholder assistance
Receive assistance reporting identity theft on your personal card. Sign up for free here.
Get 90-day protection for purchases against damage or theft
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.
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.
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 & 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.
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.
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.
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.
Mastercard True Name is a debit and credit card option that enables our transgender and nonbinary communities to proudly present their preferred name on their secured debit cards. This feature is not meant for nicknames.
Rates as of July 1, 2025. 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 60 days after account opening and will apply for 9 or 13 billing cycles, depending on product, from date of credit card application approval. After 9 or 13 billing cycles, unpaid balances revert to the cardholder’s regular balance transfer APR (13.49% – 22.99%). Balance transfers submitted after 60 days of account opening will receive the cardholder’s regular balance transfer APR (13.49% – 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 (9.49% – 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 reward points or cash back.
**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.
