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Tower World Mastercard®

With a Tower World Card, you earn points on every purchase, redeemable for cash back, travel, merchandise, gas discounts, and more with myTowerRewards.

Special Introductory Offer

  • Enjoy a low introductory 1.99% APR*† on all World Card purchases for the first year. After that, 12.99%-15.99% variable APR*† applies.
  • Get 10,000 bonus reward points when you spend $1,000 or more on purchases using your World Card within the first three months after opening your account. (Redeem for $100 cash.)

Reward yourself! With a Tower World Card, you’ll enjoy these everyday savings and benefits.

  • Earn 1.5 reward points for every $1 spent on purchases.
  • Get cash! Redeem points for 1.5% cash back.
  • Get stuff! Redeem points for travel, merchandise, gift cards, and more.
  • No foreign transaction fee, annual fee, or balance transfer fee2^
  • Credit lines from $5,000 to $30,000

*Credit Card APR – Annual Percentage Rates effective: 10/14/2019 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).

View full disclosures.

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Redeeming Your Rewards Points

Checking your World Card rewards points balance and redeeming your points 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.

  • 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.