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Tower World Mastercard®

With a Tower World Card, earn Unlimited 1.50% Cash Back1 on everything you buy!

  • 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!
  • Earn Unlimited 1.50% Cash Back 1 on all purchases. Redeem your rewards for cash back, travel, gift cards and more.
  • $100 Intro Cash Back Offer!^ When you spend $1,000 or more 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.
  • No foreign transaction fee, annual fee or balance transfer fee. 2,3
  • Credit lines from $5,000 to $30,000 *

Special Intro Offer: Applies to new World or Empower card accounts opened between April 1 and May 31, 2021. The special intro offer for World card will appear as 20,000 bonus points added to the myTowerRewards account after the 3 month introductory period ends from the date of account opening and can be redeemed for cash back. Minimum $25 to redeem for cash back. For Empower card accounts, the $100 reward will appear as a statement credit after the 3 month introductory period ends from the date of account opening. Standard card terms will apply if the $2,000 Special Intro Offer minimum spend requirement within the first 90 days of account opening is not met. Refer to your Account Opening Disclosure for your standard terms.


*Credit Card APR – Annual Percentage Rates effective: 4/13/2021 and are subject to change. Rates and credit lines 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 10.99%-17.99%. Range of Rates effective: 4/13/2021. 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 may lengthen the time it takes to pay off your balance.

^The Intro Cash Back offer will appear as 10,000 bonus points added to the myTowerRewards account after the 3 month introductory period and can be redeemed for cash back.

1For Program Terms and Conditions, please visit myTowerRewards. Minimum $25 to redeem for cash back.


2Balance Transfer Fee subject to promotional details.


3Cash Advance fee of 2% per advance (minimum $0.75).

View full disclosures.

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Redeeming Your Rewards Points

Checking your rewards balance and redeeming your rewards is easy. Just login to Tower’s Home Banking and go to myTowerRewards. You can also visit myTowerRewards.org or call
888-208-0861.

Additional Cardholder Benefits

Tower’s World Mastercard provides these and other extra cardholder benefits at no cost. View Mastercard Guide to Benefits.

  • Mastercard Global Service™ – Worldwide, 24-hour assistance with lost or stolen cards, emergency card replacement, and emergency cash advance.
  • Travel Concierge Services – Knowledgeable experts are available to personally assist you around the clock with travel, hotels, dining, entertainment, and more.