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Mastercard Credit Cards

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A credit card isn't just a convenient way to make a purchase. It's a financial tool that opens the door to all sorts of other benefits for our Michigan members. Choose a Credit Union ONE credit card that earns great purchase rewards, or one with our lowest interest rate, or one that helps you rebuild your credit. With three purpose-driven Mastercard credit card options, we offer credit solutions that fit your financial needs.

Get 5% back when you shop local

Just use your Mastercard at participating local shops and restaurants to receive 5% cash back on your purchases!

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Choose the credit card that's best for you.

Achieve Rewards Credit Card*

The more you buy, the more you get back. Your purchases earn reward points that can be redeemed for pretty much anything.

 
  • Redeem points for cash, gifts cards, merchandise and travel deals
  • No annual fees
  • No balance transfer fees
  • Click here for pricing and fees


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Achieve Credit Card**

You work hard for every dollar you earn. This card helps you keep more of what you bring home by holding down interest payments.
 

  • Our lowest interest rate card
  • No annual fees
  • Click here for pricing and fees


Apply Now

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Access Credit Card***

The road to financial success is full of detours. If you're trying to establish a credit rating or get back on track, this is the right place to turn.
 

  • Secured credit line up to $2,500
  • On-time payments help boost your credit rating
  • Great for making large purchases
  • Special introductory interest rate not available
  • Click here for pricing and fees


Apply Now

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Mastercard Guide to Benefits
Rates and Benefits
Achieve Rewards Credit Card*
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Achieve Credit Card**
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Access Credit Card***
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Rate Variable, as low as 18.25% APR Variable, as low as 15.25% APR Variable, as low as 24.25% APR
No balance transfer fees Yes   Yes
No annual fees Yes Yes Yes
Rewards
(Earn 1 point for every $1 in card purchases.
Redeem your points for cash, gift cards, merchandise, or travel)		 Yes    
100% U.S.-based, 24/7 Card Support Yes Yes Yes

Mobile Wallet Compatible

 Yes Yes Yes
Mastercard® ID Theft Protection Yes Yes Yes

Zero Liability Protection

 Yes Yes Yes
 
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Get your Credit Union ONE credit card today.
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Related resources

How do I report a lost or stolen Mastercard® Credit Card?

A lost or stolen credit card may reported by dialing 866-565-6171, available 24 hours a day.  A replacement card may be obtained.

How do I report fraud or dispute a charge? 

If you experience fraud or are disputing a charge on your Credit Union ONE credit card, dial 866-565-6171 or 888-918-7341 to report the issue.  Hours of operations are (Monday thru Friday 7am to 10 pm est- Saturday 9am to 6pm est).

How do I make a payment? 

  • Credit card payments may be completed by:
    • Completing a funds transfer from other Credit Union ONE accounts inside Online or Mobile Banking
    • Clicking the Credit Card Services Widget in Online Banking, and then the Make A Payment link. Payments initiated here may be from other financial institutions, automatic, or set future payments
    • Calling Credit Union ONE at 800-451-4292
    • Calling the PSCU contact center at 866-565-6171

How do I transfer a balance? 

  • Log into Online Banking, select Credit Card Services, click the "Balance Consolidation" link, and enter your balance transfer information.
  • Call PSCU at 866-820-3867 to request a balance transfer anytime, 24/7. 
  • Visit a Credit Union ONE branch or call us at 800-451-4292. 

How long will it take to pay off my credit card balance?


How many Reward Points will I earn for every dollar I spend?

Earn 1 point for every $1 spent with your Achieve Rewards Credit Card.

What can my Reward Points be redeemed for?

Rewards Points can be redeemed for merchandise, gift cards, travel services and cash.

Do my Rewards Points expire?

Points will accrue over four calendar years and will expire on a first-in-first-out basis annually; points earned in calendar year one will expire on the last day of the calendar year four.  Thus, points earned in 2021 will expire December 31, 2024; Points earned in 2022 will expire December 31, 2025.

How can I see and redeem my Rewards Points?

Credit Rewards
  • Login to Online Banking
  • Navigate to the Card Services Widget
  • Click Rewards
  • Complete profile information if requested
  • Choose Redeem and pick between Cash back, merchandise, gift cards, or travel

How do I apply for a credit line increase? 

You can apply for a credit limit increase in any of the following ways:

Online at www.cuone.org
  • Step one: click “borrow” or “apply for a loan”
  • Step two: click “apply for credit card”
  • Step three: click  “Credit Limit Increase”
Digital Banking
  • Quick Apply Widget/Link
  • Choose Credit Cards
  • Choose Credit Limit Increase

Visit a Branch 

Call 800-451-4292 and speak to a Credit Union ONE Representative


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APR = Annual Percentage Rate

*Subject to approval based on overall creditworthiness factors. Rate is variable and may change. Current variable APR for purchases and balance transfers is between 18.25% - 28.25% and is based on creditworthiness. Current cash advance APR is 28.25% and is variable. Foreign transaction fee of 2.00% of each transaction amount in U.S. dollars completed outside the U.S. and/or for each transaction in U.S. dollars completed in a foreign currency. Cash advance fee of $10 or 2.00% of the amount of each cash advance whichever is greater.
 
**Application subject to approval based on overall creditworthiness factors. Foreign transaction fee of 2.00% of each transaction amount in U.S. dollars completed outside the U.S and/or for each transaction in U.S. dollars completed in a foreign currency applies. Cash advance fee $10 or 2.00% of the amount of each cash advance, whichever is greater. Current Cash Advance APR is 28.25%.
 
*** Subject to approval based on overall creditworthiness factors. Foreign transaction fee of 2.00% of each transaction amount in U.S. dollars completed outside the U.S. and/or for each transaction in U.S. dollars completed in a foreign currency. Cash advance fee of $10 or 2.00% of the amount of each cash advance whichever is greater. Card must be secured against member deposit account in an amount equal to the credit limit. Current rate is 24.25% and is variable. Current cash advance APR is 28.25% and is variable.