Routing Number | 255077370

Empower Mastercard®

Empower yourself with our most flexible credit card.

Put $50 in your pocket with our special introductory offer.4

Low Rates

Empower card interest charges range from 13.24% – 17.99% variable APR.*,3

Balance Transfer Intro Offer

Special intro balance transfer offer with no transfer fee. See terms and conditions.⁴

Exceptional Security

ID Theft protection and Zero Liability for unauthorized purchases.

Tower's Empower Card offers a variety of great benefits:

  • Get $50 back⁴ when you spend $1,000 on purchases within first three months of account opening.
  • Pay 0.00% APR3 for six months on balance transfers requested within first two months of account opening. After six months, 13.24% – 17.99% variable APR applies.*,3 (2.50% per transfer applies 2,3).
  • Rates range from 13.24% – 17.99% variable APR*,3
  • No annual fee2,5,6
  • Credit limits range from $1,000 to $30,000*
  • Mastercard® anti-fraud features include Zero Liability Protection on unauthorized purchases, and ID Theft Protection
  • Safeguard your credit card payments in the event of a tragedy with Loan Payment Protection.
  • Guide to Benefits

Empower your finances


Credit Card APR - Annual Percentage Rates effective: 6/24/2024 and are subject to change. Rates and credit lines based on creditworthiness and qualifications.


Balance Transfer Fee subject to promotional details.


Empower 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: 6/24/2024 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.

The $50 will appear as a statement credit after the three-month introductory period.

Foreign Transaction Fee of 1.00% per purchase.

2.50% cash advance fee (minimum $0.75)