Routing Number | 255077370

Compare All Cards

We have the right card for you. Choose from three Mastercard® credit cards, each with unique benefits.

Limited Time Balance Transfer Offer

Transfer your high-rate credit card balances and pay no interest for a full year with our special balance transfer offer.⋄⋄

Find a credit card that fits your lifestyle and needs.

No Annual Fee

All of our credit cards have no annual fee.

Fraud Protection

Built-in features guard your personal information.

Generous Credit Limits

Credit limits up to $30,000.*

Loan Payment Protection

Safeguard your credit card payments in the event of a tragedy.

Special Intro Offers

$100 Intro Cash Back Offer^ When you spend $1,000 on purchases within first three months of account opening.

Low Intro 1.99% APR on all purchases for the first year. After that, 16.24% – 17.99% Variable APR*, † applies.

n/a

$50 Intro Cash Back Offer4 When you spend $1,000 on purchases within first three months of account opening.

Intro Balance Transfer Offer3 0.00% APR for six months on balance transfers requested within first two months of account opening. After that, 13.24% – 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

n/a

Rewards

Redeem points for cash back, merchandise, travel, gifts cards and more with MyTowerRewards.1

n/a

n/a

View Additional Features
Great Rates

16.24% – 17.99%
Variable APR*,†

10.90% – 15.90%
APR*

13.24% – 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

Zero Liability Protection
ID Theft Protection™

Zero Liability Protection
ID Theft Protection

Zero Liability Protection
ID Theft Protection

Contactless

Yes

Yes

Yes

Additional Cardholder Benefits

Safeguard your credit card payments in the event of a tragedy with Loan Payment Protection.

Mastercard® Guide to Benefits

Safeguard your credit card payments in the event of a tragedy with Loan Payment Protection.

Mastercard® Guide to Benefits

Safeguard your credit card payments in the event of a tragedy with Loan Payment Protection.

Mastercard® Guide to Benefits

Special Intro Offers

$100 Intro Cash Back Offer^ When you spend $1,000 on purchases within first three months of account opening.

Low Intro 1.99% APR on all purchases for the first year. After that, 16.24% – 17.99% Variable APR*, † applies.

Cash Back

Unlimited 1.50% Cash Back1 on purchases

Rewards

Redeem points for cash back, merchandise, travel, gifts cards and more with MyTowerRewards.1

View Additional Features
Great Rates

16.24% – 17.99%
Variable APR*,†

Annual Fee

None

Foreign Transaction Fee

None

Balance Transfer Fee

None2

Cash Advance Fee

2.00% of cash advance amount (minimum $0.75)

Credit Limits

$5,000 – $30,000

Fraud Protection

Zero Liability Protection
ID Theft Protection™

Contactless

Yes

Additional Cardholder Benefits

Safeguard your credit card payments in the event of a tragedy with Loan Payment Protection.

Mastercard® Guide to Benefits

Special Intro Offers

n/a

Cash Back

Unlimited 1.00% Cash Back on purchases

Rewards

n/a

View Additional Features
Great Rates

10.90% – 15.90%
APR*

Annual Fee

None

Foreign Transaction Fee

1.10% of purchase amount

Balance Transfer Fee

None2

Cash Advance Fee

$0.75 per advance at an ATM (minimum $0.75)

Credit Limits

$5,000 – $30,000

Fraud Protection

Zero Liability Protection
ID Theft Protection

Contactless

Yes

Additional Cardholder Benefits

Safeguard your credit card payments in the event of a tragedy with Loan Payment Protection.

Mastercard® Guide to Benefits

Special Intro Offers

$50 Intro Cash Back Offer4 When you spend $1,000 on purchases within first three months of account opening.

Intro Balance Transfer Offer3 0.00% APR for six months on balance transfers requested within first two months of account opening. After that, 13.24% – 17.99% Variable APR*,3 applies. 2.50% fee per transfer applies.2,3

Cash Back

n/a

Rewards

n/a

View Additional Features
Great Rates

13.24% – 17.99%
Variable APR*,3

Annual Fee

None

Foreign Transaction Fee

1.00% of purchase amount5

Balance Transfer Fee

2.50% per transfer2,3

Cash Advance Fee

2.50% of cash advance amount (minimum $0.75)

Credit Limits

$1,000 – $30,000

Fraud Protection

Zero Liability Protection
ID Theft Protection

Contactless

Yes

Additional Cardholder Benefits

Safeguard your credit card payments in the event of a tragedy with Loan Payment Protection.

Mastercard® Guide to Benefits

Tower Gold Card Disclosures
*Credit Card APR – Annual Percentage Rates effective: 2/27/2024 and are subject to change. Rates and credit lines based on creditworthiness and qualifications.
 
Foreign Transaction Fee of 1.10% per purchase.
 
2Balance Transfer Fee subject to promotional details.
 
Tower Empower Card Disclosures
*Credit Card APR – Annual Percentage Rates effective: 2/27/2024 and are subject to change. Rates and credit lines based on creditworthiness and qualifications.
 
2Balance Transfer Fee subject to promotional details.
 
3Empower Mastercard Balance Transfer Intro APR –The 0% Introductory Annual Percentage Rate (APR) is for balances transferred from another lender within the first 60 days of account opening and applies for six (6) months from the date of the transfer. Balance transfer fee is 2.50% of the amount of each transfer. After that, the Standard APR will be 13.24% – 17.99%. The 0.00% APR Introductory offer does not apply to upgraded accounts or accounts with a credit limit increase. Range of Rates effective: 2/27/2024 and vary with the market based on the Prime Rate. Empower Mastercard Variable Rate- The Annual Percentage Rate (APR) may increase or decrease if the highest rate of interest identified as the 'Prime Rate' 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 4.74% – 14.74%. 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.
 
4The $50 will appear as a statement credit after the three-month introductory period.
 
5Foreign Transaction Fee of 1.00% per purchase.
 
Tower World Card Disclosures
*Credit Card APR – Annual Percentage Rates effective: 2/27/2024 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 16.24% – 17.99%. The 1.99% APR Introductory offer does not apply to upgraded accounts or accounts with a credit limit increase. Range of Rates effective: 2/27/2024. 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.

It's easy to stay connected to your Tower Mastercard account online 24/7 in online banking and our 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.

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 online banking or our App. You can also sign up for the Mastercard Automatic Payment Plan. Payments may take up to three 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.

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.

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.

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 online banking and go to Additional Services or click “More” in our App. You can also call the Member Service Center at 866-56-TOWER.

Tower has implemented a new feature called Mastercard Automatic Billing Updater (ABU) for all debit and credit cards.

Mastercard ABU can help reduce the chance of declined transactions, missed payments, late fees, or disrupted services due to outdated card information.

How does ABU work?

  1. You authorize a merchant to use your Mastercard debit or credit card for recurring payments. Types of recurring payments may include phone, cable, gym memberships, magazine subscriptions, utilities, and more.
  2. Your card expires and you receive a new debit or credit card from Tower with an updated expiration date.
  3. Mastercard automatically shares your new card expiration information with merchants you use who participate in the program.

Are all of my payments automatically updated?

No. Not all merchants participate in Mastercard ABU and the frequency at which they validate payment information varies.

As the cardholder, you still bear the primary responsibility for updating your card information for any recurring payments. To avoid late payments and penalties, you must check with your merchant to ensure your card information (card number, expiration date, CVV code, etc.) has been updated and is accurate.

Does Tower have a list of participating merchants?

Tower does not maintain a list of participating merchants, as the list changes frequently and is too large to manage on an ongoing basis. Contact merchants directly to ensure that they have your correct card information for any recurring payments.

Can I decline the ABU service?

Yes, however, you would lose the benefits of ABU.

If you wish to opt out of Mastercard ABU, you may do so by completing the Mastercard Automatic Billing Updater Opt-Out Form; stop in to a Tower branch; call the Member Service Center; or send a secure email in Digital Banking using Email Manager.

What happens if my card is lost or stolen?

If your Tower debit or credit card is lost or stolen, once you receive and activate your new card, you will need to contact any merchants with whom you have recurring payments to ensure that they have your new card information and expiration date.

Who can opt out of the ABU service?

For both debit and credit cards, the primary cardholder must opt out. Once the primary cardholder opts out of ABU, all cards under his or her account will be opted out.

View Tower's Debit Card Agreement.
View Tower's Credit Card Agreement.

Get the Mastercard® you want