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Tower World Mastercard®
Our Most Rewarding Card

  • Earn 1.5 points for every $1 spent on purchases.
  • Redeem points for 1.5% cash back or fun rewards like travel, merchandise, gift cards, and more.
  • Special Introductory Rate: Low introductory APR on all purchases for the first year.
  • Bonus Points Offer: Get 10,000 bonus reward points when you spend $1,000 or more on purchases within the first three months.
  • No foreign transaction fee, or annual fee.

Learn more about the World Card.

*Credit Card APR – Annual Percentage Rates effective: 12/7/2019 and are subject to change. Rates Based on creditworthiness and qualifications.


World Card Intro APR – The 1.99% Introductory APR is for 12 months as of account opening. After that, the Standard APR will be 12.99%-15.99%. This APR will vary with the market based on the Prime Rate. Variable Rate World Mastercard: The Annual Percentage Rate(APR) may increase or decrease if the highest rate of interest identified as the ‘PrimeRate’ in the ‘Money Rates’ column of the Wall Street Journal increases or decreases. The APR will be equal to the Prime Rate in effect the first business day of the month preceding the rate change plus a margin of 7.74% – 12.74%.The interest rate can change quarterly in the first credit card cycle that occurs in the quarter following the rate change. The APR will never be more than 17.99%. Any increase will lengthen the time it takes to pay off your loan.


2Balance Transfer Fee subject to promotional details.


^Cash Advance fee of 2% per advance (minimum $0.75).

Tower Gold Mastercard®

  • 1% cash-back rebate on all purchases
  • Rates as low as 10.90% APR* on purchases and cash advances
  • Credit lines from $5,000 to $30,000
  • No annual fee or balance transfer fee2
  • Low $.75 ATM cash advance fee
  • Extra cardholder benefits at no cost

*Credit Card APR – Annual Percentage Rates effective: 12/7/2019 and are subject to change. Rates Based on creditworthiness and qualifications.


2Balance Transfer Fee subject to promotional details.

Apply Now

Tower Standard Mastercard®

  • Rates as low as 10.90% APR* on purchases and cash advances
  • Credit lines ranging from $1,000 to $4,900
  • No annual fee or balance transfer fee2
  • Low $.75 ATM cash advance fee
  • Extra cardholder benefits at no cost

*Credit Card APR – Annual Percentage Rates effective: 12/7/2019 and are subject to change. Rates Based on creditworthiness and qualifications.


2Balance Transfer Fee subject to promotional details.

Apply Now

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.

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.

Getting ready to travel? Let us know before you go so we can help protect against theft or unauthorized card use. Fill out a Credit/Debit Card Travel Notification Form within Home Banking, under Additional 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

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

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

To protect against theft and unauthorized use of your Tower credit and debit cards, Tower monitors your card activity 24 hours a day. If we notice suspicious activity on one of your cards, we’ll need a way to contact you while you’re on the road—just to confirm if the activity is authorized.

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 if you plan to use your card outside of the U.S. As a safety precaution, your PIN will not be automatically generated. You will need to select a unique PIN. To set up your PIN, once you have received your new card, or if you wish to change your PIN, call PIN NOW at 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.

View full disclosures.

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.