skip to Main Content

For all of the purchasing power you need, there’s Tower Mastercard®. We offer three credit card options to suit your lifestyle, budget and credit needs. You pick the card that best fits you.

New! Pennies for Change. Help local military heroes and children in need every time you use your Tower credit card. Details.

Tower Gold Mastercard®
Our 1% Cash Back Card

Tower Empower Mastercard®
Our Lowest Rate Card

Special Intro Offers

Special $200 Cash Back Intro Offer—Limited Time! Earn a $200 cash back offer when you spend $2,000 within first three months of account opening. Hurry, limited time offer ends May 31, 2021! Details.

$100 Intro Cash Back Offer^ When you spend $1,000 on purchases within first three months of account opening.

Low Intro 1.99% APR on all purchases for the first year. After that, 10.99%-17.99% Variable APR*, † applies.

Special $100 Cash Back Intro Offer-Limited Time! Earn a $100 cash back offer when you spend $2,000 within first three months of account opening. Hurry, limited time offer ends May 31, 2021! Details.

$50 Intro Cash Back Offer4 When you spend $1,000 on purchases within first three months of account opening.

Intro Balance Transfer Offer3 0.00% APR for six months on balance transfers requested within first two months of account opening. After that, 7.99%-17.99% Variable APR*,3 applies.

Cash Back

Unlimited 1.50% Cash Back1 on purchases

Unlimited 1.00% Cash Back on purchases

Rewards

Redeem points for cash back, merchandise, travel, gifts cards and more with MyTowerRewards.1

Great Rates

10.99% – 17.99%
Variable APR*,†

10.90% – 15.90%
APR*

7.99% – 17.99%
Variable APR*,3

Annual Fee

None

None

None

Foreign Transaction Fee

None

1.10% of purchase amount

1.00% of purchase amount5

Balance Transfer Fee

None2

Subject to promotional details.2

None2

Subject to promotional details.2

2.50% per transfer2,3

Subject to promotional details.2

Cash Advance Fee

2.00% of cash advance amount (minimum $0.75)

$0.75 per advance at an ATM (minimum $0.75)

2.50% of cash advance amount (minimum $0.75)

Credit Limits

$5,000 – $30,000

$5,000 – $30,000

$1,000 – $30,000

Fraud Protection

SmartControls
Zero Liability Protection
ID Theft Protection

SmartControls
Zero Liability Protection
ID Theft Protection

SmartControls
Zero Liability Protection
ID Theft Protection

Additional Cardholder Benefits

Credit Cards


For all of the purchasing power you need, there’s Tower Mastercard®.  We offer three credit card options to suit your lifestyle, budget, and credit needs. Our premier card, World Mastercard, rewards you with points on every purchase through myTowerRewards.

Peace of Mind

Tower cares about your account security. All of our cards come with Mastercard’s built-in security features that help protect against fraud and give you peace of mind if your card is lost or stolen.

  • Zero Liability Protection – If your card is lost or stolen, you are not responsible for fraudulent charges or unauthorized purchases.
  • ID Theft Protection – Provides access to a number of identity theft resources and resolution services, should you believe you are a victim of identity theft.
  • SmartControls™ – SmartControls allow you to set up alerts and controls about certain card activity, like foreign purchases or large transactions. To get started, login to Home Banking and go to your Tower Mastercard account, then Account Services.
  • Extra cardholder benefits at no cost

View full disclosures.

It’s easy to stay connected to your Tower Mastercard account online 24/7 in secure Home Banking and on the go with Tower’s Mobile App. Check your card balance and available credit, view recent and past transactions, make payments, receive electronic statements, and more. Pay your bill in seconds or set up automatic deductions and never worry about missed or late payments. Make quick and secure purchases online or in stores by enrolling your Tower Mastercard in your mobile device’s Digital Wallet. Learn More.

Getting ready to travel? Let us know before you go so we can help protect against theft or unauthorized card use. To get started, login to Home Banking or our Mobile App and select Mastercard, Account Services. You can also call the Member Service Center at 301-497-7000 or 866-56-TOWER.

It’s easy to make payments and transfers from your Tower accounts to your Tower credit card. Set up one-time or recurring payments with just a few taps and clicks in secure Home Banking or on the go with Tower’s Mobile App. You can also sign up for the Mastercard Automatic Payment Plan. Payments may take up to 3 days to post to your credit card account balance.

If your card is lost or stolen, please call 866-570-1238 in the U.S. From outside the U.S., call 515-457-2082.

To report fraudulent activity or to dispute a credit card charge, call 866-570-1238 in the U.S. From outside the U.S., call 515-457-5584

You don’t have to worry about unauthorized purchases, because your Tower credit card includes Mastercard’s Zero Liability Protection.

Use SmartControls for peace of mind and to further protect against fraud.  Set up alerts and controls about certain card activity, like foreign purchases or large transactions, and more. To get started, login to Home Banking or our Mobile App and select Mastercard, Account Services.

Tower monitors your card activity 24 hours a day. If we notice any suspicious activity, we’ll need a way to contact you to confirm if the activity is authorized.  Be sure that your account information is up to date.

See our cyber safety tips and other tips for identity theft prevention.

Help reduce the chance of declined transactions, missed payments, and disrupted services due to outdated card information. Learn more.

If you plan to use your credit card for cash advances at an ATM, a Personal Identification Number (PIN) will be required. A PIN may also be required when using your card outside the U.S. As a safety precaution, a PIN will not be automatically generated. To set up or change a PIN, call 888-891-2435.

Not a member of Tower Federal Credit Union yet? See if you are eligible to join!

For further assistance, please visit a branch or call our Member Service Center at 301-497-7000 or 866-56-TOWER.

Special Mastercard® Balance Transfer Offer
Pay no interest for all of 2019! Transfer your high-rate credit card balances to a Tower Gold or Standard Mastercard and enjoy 0% interest on the transferred balance through December 31, 2019, with just a low 3% balance transfer fee. After that, rates between 10.90%-15.90% APR apply.* Limited time! Offer ends February 28, 2019. Transfer balances. View Balance Transfer detailsView full Details for Standard and Gold Mastercard.