Credit Cards

Mastercard Gold

With a MasterCard Gold from SwRCFCU, a whole new world of financial convenience opens up to you.


Our cards carry one of the lowest annual percentage rates in the area, with no annual fee, no fee cash advances, and a 25-day grace period on purchases. You can use your credit union MasterCard for everything from travel, entertainment, shopping, or for daily expenses. That’s because MasterCard is accepted worldwide and eliminates the need for carrying extra cash. You can also use your MasterCard at thousands of ATM locations worldwide to transact quick cash advances.

Once you receive your credit union MasterCard, you can transfer your high-interest credit card balances to your new MasterCard Gold and make one convenient low-interest monthly payment (not to exceed your credit limit)

  • MasterCard Gold – 13.4% APR
  • MasterCard Platinum – 8.9%APR

Instead of using dozens of other credit cards with varying interest rates, why not select the one with a low-interest rate and no annual fee? A SwRCFCU MasterCard can be yours. Call (210) 684-LOAN or visit a credit union office today to apply and you can begin to enjoy its many benefits today!

Platinum Mastercard

Because you deserve nothing less than the best, reward yourself for your outstanding financial management with a SwRCFCU Platinum MasterCard. Switch from those “other cards,” and begin to enjoy your platinum status as you discover the many benefits offered, such as:

  • Credit line up to $30,000*
  • No annual fee
  • No cash advance fee
  • 25-day grace period
  • No minimum finance charge
  • No transaction fee for purchases
  • No over-the-limit fee
  • No balance transfer fee

Best of all, your Platinum MasterCard has an 8.9% Annual Percentage Rate. When you compare the SwRCFCU Platinum MasterCard with other cards, you’ll see for yourself why it’s a better credit card. We invite you to apply for yours today.

*Certain restrictions apply.

Mastercard Rewards

Get rewarded while you shop with a SwRCFCU Mastercard Rewards Card.  Not only will you earn 1% on ALL purchases, your Rewards Mastercard also offers the following benefits:

  • Rewards points can be used towards merchandise, travel, gift cards or even cash back*
  • Reward points good for up to 5 years
  • No annual fee
  • No cash advance fee
  • 25-day grace period
  • No minimum finance charge
  • No over-the-limit fee

We invite you to apply for yours today.

*Reward points not awarded on balance transfers

To report a lost or stolen card, call 1.800.449.7728.

Credit Card Rates
Card Type APR
(as low as)
Mastercard Gold 13.4%
Mastercard Platinum 8.9%
Mastercard Rewards 14.5%-18.0%

APR=Annual Percentage Rate
All rates, terms and conditions are subject to change without notice.
All rates subject to credit qualifying criteria.
Contact us for rate verification.