800-688-7228 Routing #314088284
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Support Center Location & ATMs Login
800-688-7228 Routing #314088284
Become a member

Rate Preferred Mastercard®

When you carry a balance, the right credit card can make a real difference. The Rate Preferred Mastercard is designed to help reduce interest costs and support steady progress toward your financial goals over time. It’s a practical approach to using credit with confidence and control.
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Quick Facts

What sets our Rate Preferred Mastercard apart

If you carry a balance and want to minimize interest, this might be the card for you. Compared to rewards cards, it prioritizes lower rates over earning perks. Look no further for a no annual fee credit card with great rates.

  • Lower rates on purchases and cash advances
  • Low balance transfer rates
  • No annual or balance transfer fee
  • Protection against lost or stolen cards
  • Introductory APR on purchases and cash advances for first six billing cycles.
  • Designed to save on interest, this card does not earn rewards
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Credit Card Features

A card you can trust

Credit Human credit cards come with consumer protection, so you can rest easy knowing you’re secure and paying the best possible price for your purchases. These features give you control, confidence and resilience as you borrow and manage debt responsibility.

digital-banking-feature Feature
Digital Banking, Checking Accounts (all)

Protect your debit card from unauthorized use

Card Controls are a powerful tool to manage your debit and credit cards from any of your devices. ...

Log in to access card controls
identity-theft-resolution Feature
Credit Cards (all), Account features

Identity theft resolution

Get free identity theft resolution services, including support with affidavits, credit agency ...

cosolidate-debt-with-a-balance-transfer Feature
Account features, Checking Accounts (all)

Price protection

If you see a lower price in a printed advertisement or non-auction internet advertisement for a ...

extended-warranty Feature
Account features, Credit Cards (all)

Extended warranty

Your card automatically doubles the original manufacturer warranty up to a maximum of 12 months on ...

identity-theft-resolution Feature
Credit Cards (all), Account features

Zero liability protection

Find a charge you didn’t authorize? With zero liability protection through Mastercard, you’re ...

Mastercard-mockup 1 Article
Account features, Credit Cards (all)

Factors to consider when transferring a credit card balance

A balance transfer moves your high-interest credit card debt to a credit card with a lower interest ...

Learn more
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Take control of your expenses

Choose a low-rate credit card that helps you manage balances more effectively over time. It’s a straightforward way to reduce financial stress and build healthy credit habits.
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Get resources

Managing credit is an ongoing process—we’re here to help

At Credit Human, you’re more than a number—you’re part of a community committed to strong financial health and long-term success. Our Rate Preferred credit card supports your credit and financial goals with a low-interest way to manage everyday spending. With no balance transfer fees, it also makes it easier to consolidate high-interest debt and save on interest—helping you pay down balances faster and improve your overall financial wellbeing.

As a credit union, we put people over profits, focusing on tools that reduce financial stress and build healthy credit. The Rate Preferred card is designed to help you lower debt and strengthen your financial future.

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Account Opening

A credit card just for you

With your Rate Preferred Mastercard, you get a no annual fee credit card that is accepted at millions of locations worldwide. Enjoy introductory APR on purchases and cash advances for the first six billing cycles. This card offers competitive rates on purchases, balance transfers and cash advances.
Apply as a new member
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Get more details
FAQ

Rate Preferred Mastercard frequently asked questions

Take a look at the most common questions we get about our Rate Preferred Mastercard. If you have more general questions, or you’re looking for support options, check out our support center.
See more FAQs in our support center
How do I make a payment for my credit card?

Credit card payments can be made in the following ways:

  • Online through digital banking
  • Recurring payments set up through digital banking
  • By mail
  • Over the phone (no fee)
  • In person at a Credit Human location or ITM

Express payments can be made

See more FAQs for details specific to your loan type.
What should I do if my card is lost or stolen?

Call hotlines 24/7 (Debit cards: 800-472-3272; Credit cards: 844-286-5775 US / 206-389-5200 intl).

You can also lock/unlock via Card Controls in digital banking.

Do Credit Human cards work with Apple Pay, Samsung Pay or Google Pay?
Yes, mobile wallets are supported
How do I request a balance transfer to my Credit Human credit card?
Mail a completed balance transfer form or submit electronically via DocuSign PowerForm.
Can I apply for a credit card if I'm not a member of Credit Human?

Join Credit Human when you apply
You'll complete the online credit card application and apply for Credit Human membership during the process. In addition to the credit card you are applying for, you will be required to open a Share Savings account with a minimum deposit of $5. Once a member, you'll become a part of a powerful financial cooperative with access to products designed with you in mind.

If I'm a member, can I apply for a credit card in digital banking?

Apply through digital banking

Take advantage of our streamlined application by logging into your digital banking account. Once in digital banking navigate to the Product and Offers menu to get started.

Disclosures

Annual Percentage Rates (APR) are variable and vary with the market based on the Prime Rate. Rates and terms subject to credit approval. Rates are variable and based on an evaluation of credit history, so your rate may differ.

Mastercard Price Protection disclosures

Want more details? For more detailed information, see all Mastercard Cardholder Benefits (PDF). Note: Restrictions apply on both price protection and extended warranty services, and not all purchases are eligible. To file a claim or discuss eligibility, call 800-MASTERCARD (800-627-8372) within 60 days of the purchase in question.

Disclosures

You can also request a Balance Transfer by downloading and completing the Balance Transfer form. If you need a credit limit increase on your Credit Human credit card, you can request one through your Digital Banking account under Products and Offers > Credit Cards. For assistance contact us at 800-688-7228. *Rates and terms may vary based on creditworthiness and amount borrowed. All loans subject to approval.