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Low Rates & Big Rewards

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At Mission Fed, our Credit Cards are designed to give you more: low rates, no annual fees, and rewards that fit your lifestyle.1 Whether you’re focused on saving with low APRs or earning cash back and rewards on everyday spending and travel, we’ve got the right card for you.

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Explore Your Options

Premier World Mastercard®

Perfect for Travel & Dining Rewards

  • Earn 25,000 bonus points ($250 value)2
  • 3X points on travel & dining, 1.5X on other purchases
  • Rates as low as 14.99% APR
  • Low 1.99% intro APR for 12 months on balance transfers3
  • No foreign transaction fees1

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Preferred Platinum Rewards Mastercard®

Best for Everyday Rewards

  • Earn 15,000 bonus points ($150 cash value)4
  • Earn 1X points on everyday purchases
  • Rates as low as 12.99% APR
  • Low 1.99% intro APR for 12 months on purchases and balance transfers3

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Preferred Platinum Mastercard®

Best for Low Rates

  • Earn $150 cash bonus5
  • Rates as low as 11.99% APR
  • Low 1.99% intro APR for 12 months on purchases and balance transfers3

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Three Card Options, Same Great Benefits

No Annual Fees

Get all the perks without the extra cost.

 

Zero Liability Fraud Protection

Shop with confidence with Mastercard Zero Liability™ fraud protection.6

 

Free Credit Score

Stay in control with free, anytime access to your credit score—right in your account.

 

Mastercard ID Theft Protection

Keep your personal information safe with features like one-bureau credit monitoring, high-risk transaction alerts, and resolution service.

 

Priceless™ Cities & Experiences

From exclusive events to memorable moments, explore Mastercard’s Priceless™ Cities—because experiences matter.

Get Your New Credit Card in 3 Easy Steps

  1. Start Your Application

    Stop by a branch, apply online or give us a call.

  2. Get Approved

    Once approved, we’ll send you your new, contactless credit card.

  3. Enjoy Your Benefits

    Start using your card and enjoying all the benefits that come with it.

Credit Card Pay-Off Calculator

Each of our credit cards is designed to match different needs. The Premier World Mastercard® is your go-to for premium perks—think travel rewards, no foreign transaction fees, and extras that elevate your everyday. The Preferred Platinum Rewards Mastercard® lets you earn rewards on your purchases, whether you’re racking up points for travel, cash back, or gift cards. And for a low-rate option that keeps things simple, the Preferred Platinum Mastercard® is a great everyday card with our lowest rate.

Once you’re approved for a Mission Fed credit card, the 1.99% intro rate automatically applies for the first 12 months.3 After that, enjoy our standard competitive rates designed to help you keep more money in your pocket.

With the Preferred Platinum Rewards Mastercard® and Premier World Mastercard®, you earn rewards points for every dollar you spend. These points can be redeemed for travel, cash back, gift cards, and more.

Yes, there is a balance transfer fee of 3% of the amount of each transfer, with a minimum charge of $3. This fee allows you to consolidate your balances and save on interest with our competitive rates.

No, none of our credit cards have annual fees. You get all the benefits without the extra cost.

Mastercard Zero Liability™ fraud protection6 means you won’t be held responsible for unauthorized purchases made on your card. If your card is lost or stolen, you’re protected, and we’ll help you sort it out—give us a call right away if anything looks suspicious.

You can check your credit score for free anytime through Mission Fed’s online banking or mobile app. It won’t affect your credit, and it’s a simple way to stay informed. You can also visit AnnualCreditReport.com for your annual free credit report.

Your credit score is just one factor we consider when reviewing your application. We’ll look at your overall financial profile to determine the best options for you.

Experience the Power of Smart Spending!

Ready to Upgrade Your Wallet? Discover the benefits of a Mission Fed Mastercard, where low rates and no annual fees give you the freedom to spend on what matters most.

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Disclosures

Must meet membership and account criteria. All loans subject to credit approval. Programs, rate, terms and conditions subject to change without notice. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Maximum credit card loan per member is $50,000. Maximum total unsecured loan limit per member is $100,000. Terms and conditions apply.

  1. No annual fees apply to any Mission Fed credit cards. No foreign transaction fees apply to the Mission Fed Premier World Mastercard. Other fees may apply; refer to the consumer fee schedule.
  2. 25,000 Bonus Points: Offer is available for new Credit Cards. Must apply by 12/31/2025 and have $2,000 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. 25,000 rewards points ($250 cash value) will be credited approximately 120 days after account opening. Account must be in good standing to receive bonus.
  3. Introductory APR: Introductory offer is available for new Credit Cards. Balance transfers to pay any Mission Fed accounts are not permitted. For balance transfers to qualify for the 1.99% introductory APR, the balance transfer must be conducted by using a Cashier’s Check issued by a Mission Fed Branch or the Contact Center to a third-party creditor. Electronic balance transfers do not qualify. Maximum $20,000 in balance transfers per member. Restrictions apply
    Premier World Mastercard: Introductory APR will apply on 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 12 months The balance transfer and cash advance fee is 3% of the amount of each item ($3 minimum). There is no foreign transaction fee.
    Preferred Platinum Mastercard and Preferred Platinum Rewards Mastercard: 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 12 months. The balance transfer and cash advance fee is 3% of the amount of each item ($3 minimum). The foreign transaction fee is 2% of the amount of each transaction in U.S. Dollars.
  4. 15,000 Bonus Points: Offer is available for new Credit Cards. Must apply by 12/31/2025 and have $1,500 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. 15,000 rewards points ($150 cash value) will be credited approximately 120 days after account opening. Account must be in good standing to receive bonus.
  5. $150 Cash Bonus: Offer is available for new Credit Cards. Must apply by 12/31/2025 and have $1,500 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. Account must be in good standing to receive bonus.
  6. Mastercard Zero Liability programapplies to unauthorized transactions. Cardholder must notify Mission Fed promptly of any unauthorized use. Conditions and exceptions apply.

See additional details for full points calculation and other important information here:

Mission Rewards Program for the Premier World Mastercard

Mission Rewards Program for the Preferred Platinum Rewards Mastercard

Mastercard, Mastercard Global Service, Mastercard Zero Liability, and Priceless Cities are service marks of Mastercard International Inc.