Interra Credit Union

Credit Cards

Charge Ahead

The right credit card gives you more than buying power. It gives you flexibility, convenience and confidence for whatever comes next. Find the card that fits your life—with the personal guidance to help you get the most from it.

Mastercard Elite

Premium rewards and Mastercard benefits.

Earn 1.5 points per dollar plus 10,000 introductory bonus points, and unlock the full set of Mastercard programs—travel rewards, ID theft protection and more.

APR range 13.75%–23.75%
Annual fee None

Mastercard Standard

Our lowest everyday rate.

The same rewards, protections and grace period at a lower APR range—the better fit if you sometimes carry a balance from month to month.

APR range 10.75%–20.75%
Annual fee None

Every Interra card comes with

No annual fee and a 25-day grace period on purchases.

0% intro APR for the first 12 months on purchases and balance transfers.

Mobile Wallet for contactless payment, plus card controls in Interra Digital Banking.

24/7 member support —and local help at any Interra office.

CURewards

Every card earns the same way. Points never expire while your account is open.

EARN
1.5 points per $1 spent

On every purchase, with no category rules to track.

REDEEM
Cash back, travel, gift cards

Points redeem for 1% cash back, or for travel and merchandise.

HOW
Online or by phone

In digital banking, open your card → Card Controls → Redeem. Or call 866.597.1575.

Included Mastercard benefits

HealthLock™
Monitors medical bills and claims for errors and fraud.
ID Theft Protection™
Identity monitoring and resolution support if something goes wrong.
Travel Assistance
Emergency help while travelling, wherever you are.
Mastercard Travel Rewards
Cash-back offers at participating travel and retail brands.
Booking.com
Member savings on hotel bookings.
Priceless®
Curated experiences in cities around the world.
Live Nation
Presale access and cardholder offers on concert tickets.
MoviePass™
Cardholder pricing on cinema subscriptions.
Mastercard Golf
Tee-time booking and course discounts.
Data carrier rates may apply for Mobile Wallet. Benefits are provided by Mastercard and subject to change.

Rates & fees

Both cards vary with the market based on the Prime Rate. Not all applicants will qualify for the lowest rate.

Annual Percentage Rate (APR) for purchases, cash advances and balance transfers
Mastercard Elite
13.75%, 14.75%, 16.75%, 18.75% or 23.75%, depending on your credit history
Mastercard Standard
10.75%, 11.75%, 13.75%, 15.75% or 20.75%, depending on your credit history
Introductory and balance transfer APR
Mastercard Elite
0% for the first 12 months
Mastercard Standard
0% for the first 12 months
Introductory reward bonus
Mastercard Elite
10,000 points after $2,000 in purchases within 90 days of opening
Mastercard Standard
10,000 points after $2,000 in purchases within 90 days of opening
Annual fee
Mastercard Elite
None
Mastercard Standard
None
Paying interest
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 by the due date each month. We begin charging interest on cash advances and balance transfers on the transaction date.
For credit card tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit consumerfinance.gov/learnmore.
Set up and maintenance fee
None
Foreign transactions
Up to 1% of each transaction in U.S. dollars
Cash advances
2% of the amount of each cash advance
Balance transfers
2% of the amount of each transfer
Over-the-limit
None
Late payment fee
Up to $25.00 if your payment is late 10 days after the due date
Returned payment
Up to $5.00 if your payment is returned for any reason
Card replacement fee
$7.00
Minimum payment
2% or $25, whichever is greater
We calculate your balance using a method called “average daily balance” (including new purchases). See your account agreement for more details. Billing Rights information about your rights to dispute transactions is provided in your account agreement. The information about the costs of the card described above is accurate as of 6/19/2020 and may have changed since—to find out what may have changed, call 574.534.2506 or write Interra Credit Union, PO Box 727, Goshen, IN 46527. Full Agreement and Disclosure for Standard and Elite Mastercards
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Card support

LOST OR STOLEN CARD

24 hours a day. Or freeze the card yourself in digital banking.

CARDHOLDER SERVICE

Toll-free 888.432.2848. Mon–Fri 8–6, Sat 8–12.

CUREWARDS REDEMPTION

Or redeem in digital banking under Card Controls.

Mailing address: Interra Credit Union, PO Box 727, Goshen, IN 46527. Hours & Locations

Credit Card Frequently Asked Questions

Still deciding, or already carrying an Interra card? Start here—and if your question is not below, a member of our team is happy to walk you through it.