MasterCard Credit Card

As we all know, not all people are created the same. Neither are credit cards from Destinations Credit Union. We offer enhanced purchasability to members in all different stages of their credit life. Whether you've established credit, you're first building credit, or you're trying to re-build your credit, our different card programs can keep you on pace.

What they do all have in common: competitive rates, no annual fees, and the ability to rack up reward points — redeemable for several valuable prizes! Boost your buying power — instantly. Get a card that works for you through Destinations Credit Union.


Current Cardholders: For a copy of your full MasterCard agreement, please call 410-663-2500 or e-mail info@destinationscu.org to request a copy.

Summary
  • Competitively low rates*
  • No annual fee
  • Earn ScoreCard reward points:
  • One reward point for every net dollar spent
  • Points redeemable for valuable prizes, including travel, merchandise, and more
  • Easily track reward points online
  • 25-day grace period on purchases
  • No balance transfer fees – consolidate higher-rate balances
  • Free travel accident insurance (when card used to purchase ticket)
  • Make purchases online or in-store virtually anytime, anywhere
  • Meet financial needs immediately as they arise
  • Establish or re-establish credit history
  • Easily access and track transactions online via online banking
  • Easily replaced if lost or stolen

Need to activate your card?

Simply dial 1-800-543-5073 from your home telephone 24/7. You will be asked for the card number and the last four digits of your social security number. Our Credit Builder Card works to alleviate this pain point, so you can build

*Interest rates subject to change without notice.

Credit Builder

Getting started or rebuilding your credit can be difficult. You need a good credit score in order to receive good interest rates on loans, yet that credit isn't built overnight. Our Credit Builder Card works to alleviate this pain point, so you can have both as you establish yourself financially.

  • Ideal for establishing credit while still receiving competitive loan rates
  • $500 credit limit to start, with increasing limits as you build your credit*
  • Competitively low rates**
  • Our best interest rate to start out; after which time, it's up to you to keep up your credit rating by paying on time
  • No annual fee
  • Earn ScoreCard reward points:
  • One reward point for every net dollar spent
  • Points redeemable for valuable prizes, including travel, merchandise, and more
  • Easily track reward points online
  • 25-day grace period on purchases
  • No balance transfer fees – consolidate higher-rate balances
  • Make purchases online or in-store virtually anytime, anywhere
  • Meet financial needs immediately as they arise
  • Easily access and track transactions online via online banking
  • Easily replaced if lost or stolen

Need to activate your card?

Simply dial 1-800-543-5073 from your home telephone 24/7. You will be asked for the card number and the last four digits of your social security number. Our Credit Builder Card works to alleviate this pain point, so you can build

*Note: After we receive your application for the Credit Builder Card, we will ask you to review some information and watch a couple of online videos to further educate you on credit. If you are under 21 years old, you must have a parent co-sign or have income to support the repayment terms.

**Interest rates subject to change without notice.



Second Chance Card

The unfortunate thing about credit is that it can be hard to build, but very easy to damage — that, and it's an ongoing, moving target. If you've fallen below you're desired credit, no need to despair! A Second Chance MasterCard® Credit Card from Destinations Credit Union can help get you back on track.

  • Rebuild your credit while also building your financial knowledge
  • Free credit counseling required, offered through Accel Members Financial Counseling, including:
  • Review of your credit report
  • Counseling on various ways to improve your credit rating
  • $200 credit limit to start, with increasing limits as you build your credit*
  • Competitively low rates with potential to lower as your build your credit
  • Based on your actual credit score at the time of application
  • No annual fee
  • Earn ScoreCard reward points:
  • One reward point for every net dollar spent
  • Points redeemable for valuable prizes, including travel, merchandise, and more
  • Easily track reward points online
  • 25-day grace period on purchases
  • No balance transfer fees – consolidate higher-rate balances
  • Make purchases online or in-store virtually anytime, anywhere
  • Meet financial needs immediately as they arise
  • Easily access and track transactions online via online banking
  • Easily replaced if lost or stolen

Need to activate your card?

Simply dial 1-800-543-5073 from your home telephone 24/7. You will be asked for the card number and the last four digits of your social security number.

*Interest rates subject to change without notice.


MasterCard Disclosures

Compare & Save!

The easiest way to compare credit cards is by looking at the "Fed Box" disclosure below. We think if you compare, you'll see what a great card we have!

MasterCard Table

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." See your account Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

Note: The information about the costs of the card described in this application is accurate as of January 1, 2014.

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases, Cash Advances or Balance Transfers 9.5% - 19.5% when you open your account, based on your creditworthiness
Other APRs None
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 within 25 days of the closing date of the statement.
Minimum Interest Charge None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at www.consumerfinance.gov/credit-cards .
FEES
Annual Fee None
Transaction Fees None
Foreign Transaction Fee None
PENALTY FEES
Late Payment Fee $25.00 or the amount of the require minimum payment, whichever is less.
Returned Payment Fee $25.00 or the amount of the require minimum payment, whichever is less.
OTHER DISCLOSURES
Card Replacement Fee $5.00
Cash Advance Fee $10 for electronic cash advance (from online banking, ATM, mobile banking, etc.).
Cash Advance Fee $15.00 for any over-the-counter cash advance.