Access Credit Union offers a range of Mastercard® options, including rewards cards¹, low-rate cards², no-fee options, travel cards, and U.S. dollar cards.

Short answer:
Yes, you can earn rewards on eligible purchases and redeem them for travel, gift cards, merchandise, statement credits, or cash back on applicable cards. ^†

Flex Rewards lets you earn points on eligible purchases and redeem them your way—whether for travel, gift cards, merchandise, statement credits, or cash back on applicable cards. ^†

Choose based on your goals—rewards¹, low interest², or no fees—to match your spending habits.

Yes, they include advanced security features and fraud protection to keep your transactions safe.³

You’re protected by Zero Liability, which means you won’t be held responsible for unauthorized transactions made on your account.³

If your card information is lost, stolen, or used fraudulently, you’re covered as long as you report the activity promptly. In addition, your account is supported by ongoing monitoring and security measures designed to detect and prevent suspicious activity, giving you added peace of mind every time you use your card.

Yes, mobile payments use tokenization, so your card number is never stored or shared.

Yes, you can use Apple Pay, Google Pay™, or Samsung Pay® for secure contactless payments.

Yes, you earn rewards on eligible purchases made through mobile payment.¹

Benefits include rewards¹, flexible options, secure payments, and mobile wallet compatibility.

By using your Access credit card, you also support your local credit union and help strengthen the community you’re part of, as profits are reinvested into member services and community initiatives.

We recommend starting with a no-fee or low-rate² card to build credit and manage everyday spending.

However, it’s best to discuss your needs and goals with an advisor, who can recommend the option that fits your financial situation and helps you build confidence with credit. For some people, a no-fee card is the right place to start, while others may benefit from a low-rate² or rewards card depending on their spending habits and preferences.

Choose a no-fee credit card to avoid annual costs while still getting everyday convenience.

However, it’s a good idea to talk to an advisor first to understand which option best supports your overall financial well-being. While a no-fee card is the right choice for some, others may find greater value in cards with an annual fee if the rewards, insurance coverage, and added benefits align with their spending habits and help offset the cost.

If you use your card regularly, a rewards credit card helps you earn points on everyday purchases like groceries, dining, and subscriptions.¹

Low-rate cards are designed to minimize interest costs, making them a good choice if you occasionally carry a balance.²

Choose a premium rewards card to earn more points on high-spend categories like groceries, dining, and entertainment.¹

A travel rewards card helps you earn points and redeem them for flights, hotels, and travel expenses. ^†

NOTE: it’s important to look at the features that matter most for travelers and compare your options. Consider benefits such as travel insurance coverage, car rental protection, and baggage or trip interruption protection. Choosing a card with the right mix of these features can help support a smoother, more secure travel experience based on how and where you travel.

A U.S. dollar credit card can help you avoid foreign transaction fees and manage your spending directly in U.S. dollars, making it easier to track purchases and control costs. This can also be a benefit for online purchases from U.S.-based retailers, where transactions are often charged in USD.

Choose a Flex Rewards card to redeem points for travel, cash back, gift cards, or merchandise. ^†

• I want no fees → Consider a no-fee card (a good fit for some, depending on usage)
• I want to pay less interest → Low-rate card²
• I want rewards on everyday spending → Flex Rewards earning card¹
• I spend a lot monthly → Premium card with enhanced benefits
• I travel often → Look for cards with travel-related features such as insurance, car rental coverage, and baggage protection
• I spend in U.S. dollars → U.S. dollar card

TIP: It’s a good idea to review your options with an advisor to find the right fit for your needs and financial well-being.