Tower World Mastercard®
Our Most Rewarding Card
- Special Balance Transfer Offer – Limited Time!
- 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 of opening your account.
- No foreign transaction fee, or annual fee.
Tower Gold Mastercard®
- Special Balance Transfer Offer – Limited Time!
- 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*
- Low $.75 ATM cash advance fee
- No annual fee
*Credit Card APR – Annual Percentage Rates effective: 2/23/2020 and are subject to change. Rates and credit lines based on creditworthiness and qualifications.
Tower Standard Mastercard®
- Special Balance Transfer Offer – Limited Time!
- Rates as low as 10.90% APR* on purchases and cash advances
- Credit lines ranging from $1,000 to $4,900*
- Low $.75 ATM cash advance fee
- No annual fee
*Credit Card APR – Annual Percentage Rates effective: 2/23/2020 and are subject to change. Rates and credit lines based on creditworthiness and qualifications.
Credit Cards
New Year, No Worries – Special Balance Transfer Offer
Don’t stress over high-rate credit card balances in 2020. Transfer your credit card balances to a Tower Mastercard and enjoy 0.00% Promotional APR on the transferred balance through January 31, 2021!1 After that, 12.49%-15.49%2,3 Variable APR applies for World Card and 10.90%-15.90% APR3 applies for Gold/Standard Cards. Pay just a 3% Balance Transfer Fee.1 Hurry! Offer ends February 29, 2020. Transfer balances. View disclosures.
1Balance Transfer must be completed by 02/29/2020. Minimum Transfer amount is $100. The Promotional Annual Percentage Rate (APR) of 0.00% will apply to the transferred balance until 01/31/2021. After the promotional period, the standard APR on your Tower Mastercard will apply to the remaining balance. Refer to your Account Opening Disclosure or most recent statement for your current APR. A balance transfer fee of 3.0% of the amount for each transfer will be charged. Promotional rate does not apply to transfers of Tower balances. The promotion applies to new and existing cardholders. Finance charges are imposed from the transaction date and will continue to accrue until paid in full. Other restrictions may apply. 2World Card APR will vary based on the Prime Rate. Max APR 17.99%. Refer to your Account Opening Disclosure for details. 3Range of Rates effective: 2/23/2020. Rates based on creditworthiness and qualifications.
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
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 payments online or in stores with your mobile device. Learn More.
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.