Rewards Preferred Mastercard^®

The Rewards Preferred Mastercard helps your everyday purchases work harder by offering cash back. At Credit Human we know rewards are best enjoyed when paired with thoughtful spending, giving you a practical way to benefit from what you buy without losing sight of long-term financial stability. It’s a rewards credit card that supports your goals, not just your transactions.

Quick Facts

What sets our Rewards Preferred Mastercard apart

This card gives you the choice to earn rewards or 2% cash back. Choose cash back on everyday purchases and pay your balances in full to maximize earnings and improve credit to support your financial health. The Rewards Preferred Mastercard delivers great rates and great rewards.

Great rates on purchases and cash advances
Low balance transfer rates
No annual or balance transfer fee
Bonus points or cash back rewards program
Extended warranty on purchases
Price protection
Identity theft resolution services

Compare our credit cards

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 what you buy. These features are designed to give you control, confidence and resilience as you borrow and manage debt responsibility.

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. ...

Feature

Credit Cards (all), Account features

Identity theft resolution

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

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 ...

Feature

Account features, Credit Cards (all)

Extended warranty

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

Feature

Credit Cards (all), Account features

Zero liability protection

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

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

Get started

Earn 2% cash back or points with every purchase

Earn rewards while using credit in a way that supports long-term financial health. When used intentionally, your purchases can add value without adding stress.

Get resources

Saving for a financially healthy future

At Credit Human, you’re more than a number—you’re part of a community focused on financial health and long-term success. The Rewards Preferred Mastercard supports your goals with a low-interest rewards credit card that helps you earn on purchases while saving on interest. With no balance transfer fees, you can consolidate high-interest debt and pay it down more efficiently.

As a credit union, we put people over profits, offering tools that reduce financial stress and support strong credit. The Rewards Preferred Mastercard helps you earn rewards, lower interest costs and maintain a healthier financial future. Check out our resource center to learn other ways you can build your financial health over time. Check out our resource center to learn other ways you can build your financial health over time.

See more financial health resources

Account Opening

A credit card that rewards you

Your Rewards Preferred Mastercard is accepted at millions of locations worldwide. Enjoy a reduced annual percentage rate (APR) for the first six billing cycles plus great rates on everything from purchases to balance transfers and cash advances.

FAQ

Rewards Preferred Mastercard Frequently Asked Questions

Take a look at the most common questions we get about our Rewards 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

Online at our Express Payment portal with a $10 fee
Over the phone at 833-886-6109 with a $10 fee

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.

Rewards Preferred Mastercard^®

What sets our Rewards Preferred Mastercard apart