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Special Offer

$200 Cash Value Bonus1

Credit Cards

Mission Fed Mastercard® Credit Cards

A Mission Fed credit card means you have access to low rates, rewards and choices. Find a card that fits your lifestyle and financial goals today.

Why Choose a Mission Fed Mastercard Credit Card?

Get more benefits with a Mission Fed Mastercard. In addition to no annual fee and low rates, enjoy:

  • Instant Card Issue – Convenient instant issue of a new or replacement card is available at any Mission Fed branch.
  • Convenient Access, Local Assistance – Check your purchases, balance and pay your bill online with Mobile or Online Banking. You’re always welcome to talk to a Mission Fed representative for personalized assistance — we’re right here in San Diego.
  • Contactless Enabled –  Tap-to-pay for a fast, no-touch and secure checkout.
  • Mastercard ID Theft Protection™ – Mastercard’s enhanced ID Theft Protection includes one-bureau credit monitoring, high-risk transaction monitoring and alerts, and resolution services including lost wallet assistance. Certain terms may apply. Sign up today.
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Two Options, Zero Annual Fees

Image of a sample preferred platinum credit card

Preferred Platinum

  • Lowest Rate
  • 0% intro rate for 18 months on purchases and balance transfers posted within the first 90 days
  • 9.90% – 16.90% standard APR  for purchases
  • 11.90% – 17.90% standard APR for balance transfers after 18 months
  • Eligible $200 cash bonus1
  • No annual fee
  • Learn more
Apply Now

Platinum Rewards

  • Low rate plus rewards
  • 0% intro rate for 15 months on purchases and balance transfers posted within the first 90 days
  • 10.90% – 17.90% standard APR for purchases
  • 12.90% – 17.90% standard APR for balance transfers after 15 months
  • Eligible for 20,000 bonus reward points1
  • 1x points per $1 in purchases
  • No annual fee
  • Learn more
Apply Now

Two options, zero annual fees. Apply for your Mission Fed Credit Card today. See All Rates

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Product APRs
Preferred Platinum Credit Card
0% Introductory Rate for 18 months (on purchases and transfers in first 90 days)
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After that, the Standard APR will be:
9.90% - 16.90% for purchases
11.90% - 17.90% for transfers
Preferred Platinum Rewards Credit Card
0% Introductory Rate for 15 months (on purchases and transfers in first 90 days)
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After that, the Standard APR will be:
10.90% - 17.90% for purchases
12.90% - 17.90% for transfers

Must meet membership and account criteria. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. All loans subject to credit approval. Programs, rate, terms and conditions subject to change without notice. Maximum credit card loan per member is $50,000. Maximum total unsecured loan limit per member is $100,000. Introductory offer is available for new Credit Cards. Balance transfers to pay any Mission Fed accounts are not permitted. Introductory APR will apply on purchases and balance transfers posted within the first 90 days of account opening, ending on the closing date of the first billing cycle after the account is open for is for 15 months on the Platinum Preferred Rewards Card and 18 months on the Platinum Preferred Card. For balance transfers to qualify for the 0% introductory APR, the balance transfer must be conducted by using a Cashier’s Check issued by a Mission Fed Branch or the Contact Center. Electronic balance transfers do not qualify. The balance transfer and cash advance fee is 2% of the amount of each item ($2 minimum). The foreign transaction fee is 1% of the amount of each transaction in U.S. Dollars. Maximum $20,000 in balance transfers per member. Restrictions apply.

Credit Card Rates & Disclosures    Consumer Fee Schedule

Credit Card Pay-Off Calculator

Frequently Asked Questions

How Do I Apply for a Credit Card?

You can apply for a Mission Fed credit card online, by phone or at any of our branch locations. Appointments are not required but recommended.

Which Credit Card is Right for Me?

Mission Fed offers two credit card options. When picking a credit card, the best place to start is with your spending habits and financial goals. Stop by a neighborhood branch to talk with a Mission Fed representative to find out which card is best for you.

How Do Credit Cards Work?

Credit cards help you build and strengthen credit while making purchases. With a credit card, you can make a purchase and pay it back over time. It’s similar to a loan so it’s essential to understand how credit cards work. Each card has a spending limit and interest rate that is applied to the balance on your card. Learn more about how credit cards work.

How Do I Check My Application Status?

You can check the status of your application via the loan application portal.

How Long Will it Take to Get My Card?

If your application is approved and all required documents have been obtained, your credit card will arrive in the mail within 5-7 business days. You will receive a PIN in a separate mailing within 7-10 business days.

Can I Get Cash Back From a Credit Card?

Yes. The Preferred Platinum Rewards Credit Card offers cash back rewards, which help you earn cash on the everyday purchases you make. Then, you can redeem your points for cash back or other reward options easily and securely online and via Mission Fed’s Mobile Banking app.

Preferred Platinum Credit Card

A low-rate card with no annual fees. Mission Fed’s Preferred Platinum Mastercard has a low rate to help you strengthen your credit and achieve your financial goals.

Learn More
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Preferred Platinum Rewards Credit Card

A card that gives you cash back rewards. With a Preferred Platinum Rewards Mastercard you earn points on purchases that can be used for cash back, gift cards, merchandise, airline tickets and more  — it’s your choice.

Learn More
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Banking that works for everyone.

Apply for your Mission Fed Mastercard today!

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Disclosures

Must meet membership and account criteria. All loans subject to credit approval; terms and conditions apply. Offer is available for new Credit Cards. Balance transfers to pay any Mission Fed accounts are not permitted. Introductory APR will apply on purchases and balance transfers posted within the first 90 days of account opening, ending on the closing date of the first billing cycle after the account is open for 15 months on the Platinum Preferred Rewards Card and 18 months on the Platinum Preferred Card. APRs are current as of September 1, 2022. For balance transfers to qualify for the 0% introductory APR, the balance transfer must be conducted by using a Cashier’s Check issued by a Mission Fed Branch or the Contact Center. Electronic balance transfers do not qualify. The balance transfer and cash advance fee is 2% of the amount of each item ($2 minimum). The foreign transaction fee is 1% of the amount of each transaction in U.S. Dollars. Late payment fee up to $25 for the first late payment in any 6 month period then up to $35 for each additional late payment with in the same 6 month period. Returned payment fee up to $22. Maximum $20,000 in balance transfers per member. Maximum Personal Loan or Line of Credit Loan is $50,000. Maximum total unsecured loan limit per member is $100,000. Rates, terms, and conditions are subject to change without notice.

¹200 CASH VALUE BONUS: Must open account by 12/31/22 and must have $1,000 in net purchases within the first 90 days. Qualifying transactions exclude in-branch cash advances, traveler’s check purchases, balance transfers, overdraft protection advances, convenience checks, fees, and ATM transactions. $200 worth of rewards points or $200 statement credit will be credited approximately 120 days after account opening. This offer cannot be combined with other Mission Rewards points promotions. Restrictions may apply.

Mastercard, Mastercard Global Service, and Priceless Cities are registered trademarks of Mastercard International Inc.