ONLINE LOGIN

 

Contact Us  |  Branch Locations  | Our Rates  |  Apply Now

  • Home
  • Personal
    • Savings Accounts
    • Checking Accounts
    • Youth Accounts
    • Debit Card
    • IRAs
    • Certificates of Deposit
    • Check Reordering
    • Overdraft Services
    • Fee Schedule
    • Dormant Accounts
  • e-Services
    • MCU Online
    • MCU Mobile App
    • Remote Deposit Capture
    • Transfer Money
    • E-Statements
    • Bill Pay
    • eZCard
    • Wire Transfers
  • Loans
    • Apply For A Loan
    • Pay My Loan
    • Loan Rates
    • Personal Loans
    • Credit Cards
    • Auto Protection
    • Debt Protection
    • Auto Buying Center
    • Student Loans
    • Skip -A- Payment
    • Mortgage Loans
    • Manage My Mortgage
  • Resources
    • Forms & Applications
    • Fraud Prevention
    • Insurance Services
    • Protect My Identity
    • 2025 Scholarships
    • Savvy Money
    • Member Referral Program
    • CARFAX
    • FAQs
  • About Us
    • About MCU
    • Contact Us
    • Who Can Join
    • Newsletters
    • Federal Holidays
    • Privacy Policy
    • Financial Reporting
    • Disclosures
    • Careers
    • Director Opportunities
    • Accessibility Statement

Home > Loans > Credit Cards

Credit Cards

Mastercard® Credit Card

Do more - take a vacation or make that special purchase with our low rate Mastercard® Credit Card. Our Mastercard® offers:

  • No Annual Fee
  • No inactivity fee
  • As Low As 12.90% APR*
  • No Cash Advance Fee
  • Low Interest Fees
  • 24/7 Fraud Protection
APPLY TODAY
Credit Card MCU

Benefits & Protection

The MCU Mastercard® Credit Cards come with a generous collection of standard features:

  • Mastercard ID Theft Protection
  • Mastercard® Global Service
  • Travel Accident Insurance
  • Extended Warranty Protection
  • Emergency Wallet Replacement
  • Baggage Delay Insurance

For more information regarding benefits and coverages, please see our Guides to Benefits.

Access your Credit Card Account

You can now use eZCard to access your account online, review purchases and statements, as well as make payments. Register and/or access your Credit Card online accounts.

Earn Rewards

For every qualifying purchase made using your MCU credit card, you earn valuable Rewards Points that may be redeemed for outstanding merchandise and exciting travel. Visit the Rewards site to see what you can redeem your points for today!

View Credit Card Disclosure

Apply for a Credit Card Today

as low as 12.9% APR

Apply Now

 

Annual Percentage Rates (APR*)
Standard Mastercard®

12.90%, 13.90%, 15.90%, or 17.90%

Depending on creditworthiness.
– No annual fee
– No inactivity fee
– No cash advance fee
– 25 day grace period
– Rewards Program


24/7 Cardholder Support Toll Free Number to Report Lost/Stolen Mastercard®, please call 1-833-541-0777.
Online AccessAccess your MCU Mastercard® account online to make a payment, check balances, and view transaction history. Click the eZCard tab once enrolled in MCU Online.
Make a Credit Card PaymentManaging your MCU Mastercard® credit card activities can be handled at any time through our eZCard service. Access eZCard.
Mastercard Benefits & ProtectionBonus Benefits: Your MCU credit card features extra perks and benefits, including fraud protection and global service. Mastercard Core Benefits.

* APR – Annual Percentage Rate. Rates, terms, and conditions subject to change.
1Credit Card limits are established for credit cards based on credit history, income and repayment ability. Certain restrictions apply.
2Certain restrictions apply. For details, see the Guide to Benefits. Benefits are subject to terms, conditions, and limitations, including limitations on the amount of coverage

Go To Top

Follow US

Facebook Instagram Twitter
Open Account
Apply For Loan

About

Menu
  • Who Can Join
  • Become a Member
  • Branch Locations
  • Free ATM Locations
  • Forms & Applications

SERVICES

Menu
  • MCU Online
  • MCU Mobile App
  • Remote Deposit Capture
  • Transfer Money
  • Pay My Loan

Products

Menu
  • Apply For A Loan
  • Loan Rates
  • Fraud Prevention
  • Protect My Identity
  • Personal Loans
  • Fee Schedule

Routing No. 313084124

7789 Southwest Freeway, Suite 175
Houston, TX 77074
Tel: 713-778-6300

Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

  • Privacy Policy
  • USA Patriot Act
  • Accessibility Statement
  • Newsletters
  • Disclosures

*APR = The Annual Percentage Rates are subject to change without notice. Credit criteria and restrictions apply.

Copyright © 2025 Memorial Credit Union