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. If this is your first credit card, check out the features and benefits of our Empower Card.
Tower Gold Mastercard
Tower Empower MastercardSpecial Intro Offers
$100 Intro Cash Back Offer^ When you spend $1,000 on purchases within first three months of account opening. For a limited time, this offer is doubled when you spend $2,000!≠
Low Intro 1.99% APR† on all purchases for the first year. After that, 13.24% – 17.99% Variable APR*, † applies.
$50 Intro Cash Back Offer4 When you spend $1,000 on purchases within first three months of account opening. For a limited time, this offer is doubled when you spend $2,000!≠
Intro Balance Transfer Offer3 0.00% APR for six months on balance transfers requested within first two months of account opening. After that, 10.24% – 17.99% Variable APR*,3 applies. 2.50% fee per transfer applies.2,3
Cash Back
Unlimited 1.50% Cash Back1 on purchases
Unlimited 1.00% Cash Back on purchases
Rewards
Great Rates
13.24% – 17.99%
Variable APR*,†
10.90% – 15.90%
APR*
10.24% – 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
None2
2.50% per transfer2,3
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™
Contactless
Yes
Yes
Yes
Additional Cardholder Benefits
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 schedule automatic deductions and never worry about missed or late payments. Set up card alerts and controls, and help protect against fraud, with SmartControls™. To get started, login to Home Banking or our Mobile App and select MasterCard, Account Services.
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.
Tower Mastercard credit cards are contactless for faster, more secure checkouts at millions of places worldwide. Look for the contactless symbol on the store’s checkout terminal. When prompted, tap your card on the contactless checkout terminal. Get the beep, green light or checkmark and go—it’s that easy. If you happen to shop at a merchant that does not accept contactless payments, just insert or swipe your chip card as usual. Enroll your card in your mobile device’s Digital Wallet for a fast and secure way to make purchases online or in stores. 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.
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. If you’ve misplaced your card, temporarily decline all transactions with the Card Stop Control••.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.
••The Card Stop Control will temporarily decline all transactions including those that are recurring.
Getting ready to travel? Let us know before you go so we can help protect against theft or unauthorized card use. To set up travel notifications online, login to Home Banking and go to Additional Services or click “More” in our Mobile App. You can also call the Member Service Center at 301-497-7000 or 866-56-TOWER.
Help reduce the chance of declined transactions, missed payments, and disrupted services due to outdated card information. Learn more.
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.
