Credit Cards
Compare Credit Cards
| Details | Mastercard | Secured Mastercard |
| Annual Percentage Rate | 9.5% to 19.5% determined by your credit worthiness and subject to approval | 7.50% |
| Credit Limit | $250 to $20,000 to be determined by your credit worthiness (subject to approval) and total unsecured debt with DCU | Determined by the amount member designates to be secured from the savings or certificate account |
| Deposit Required | No | Yes |
| Recommended For | Anyone | Anyone, designed for members with challenged credit history, or for members interested in establishing or rebuilding credit history |
Mastercard Credit Card
Your Destinations Mastercard just got even better!
Now Earn Rewards & Enjoy a Great Rate
It’s Time to Reward Yourself!
ScoreCard Rewards offers you the freedom to choose the rewards you really want like cash rebates at select vendors, merchandise, travel, gift cards and more. Use your Destinations Mastercard to start building your point balance. It’s that simple!
$1 Spent = 1 Reward Point
There’s no limit to how many points you can earn. The MORE you use your card, the MORE you earn!
Sign in or Register today!
To view and redeem rewards points, cardholders will need to register and create an account using their 16-digit credit card number at www.scorecardrewards.com. For member protection, please make sure to add your primary email address and mobile phone number to verify your identity when you create a new rewards account. Please note, unredeemed rewards on your account will not be available for view or transactions, as it may take up to 30 days to reflect on your new rewards account but rest assured they will be added to your new account and you will continue to earn bonus points on your purchases.
Important Numbers
Card Activation: 833-681-3365
Change PIN: 833-681-3365
Lost/Stolen Cards: 833-933-1681
- International: 812-647-9794
Transaction Disputes: 866-279-1399
Benefits:
- Competitively low rates
- No annual fee
- 25-day grace period on purchases
- No balance transfer fees – consolidate higher-rate balances
- Make purchases online or in-store virtually anytime, anywhere
- Meet financial needs immediately as they arise
- Establish or re-establish credit history
- Easily access and track transactions online via online banking
- Turn your credit card on or off, or set notifications when your card is used with our card controls
- Easily replaced if lost or stolen
*Interest rates subject to change without notice.
Mastercard® Disclosures
Click Terms and Conditions or Apply Now to see the full disclosures.
Secured Mastercard
Whether you just want a lower rate or are trying to improve your credit score, a Secured Mastercard is a great option.
Get a lower rate credit card regardless of your credit score by securing the card with a deposit. You are in control of the amount you deposit, and therefore of your credit limit.
For full disclosures, see our Terms and Conditions.
By securing the credit card with a deposit, you can get the convenience of a Mastercard credit card while building your credit score.
- Credit limit is based on the amount you pledge from your savings account or certificate
- Rate is lower that a traditional credit card because it is secured
- Credit reports are not pulled
- Available regardless of your credit score
- No annual fee
- 28-day grace period on purchases
- No balance transfer fees — consolidate higher-rate balances
- Make purchases online or in-store virtually anytime, anywhere
- Meet financial needs immediately as they arise
- Easily access and track transactions online via online banking
- Turn your credit card on or off, or set notifications when your card is used with our card controls
- Easily replaced if lost or stolen
For full disclosures, please click on Terms and Conditions.
Current Cardholders: For a copy of your full Mastercard® agreement, please call 410-663-2500 or e-mail info@destinationscu.org to request a copy.
Extra Protection for Online Shopping
Your Mastercard® Credit Card is protected by eGuard. eGuard is a sophisticated fraud model and you are automatically enrolled. If there is a transaction that is deemed suspicious, you will receive a text message from short code 732-873. You will authenticate the transaction via text message.
If there are no phone numbers on file, then eGuard will present Knowledge Based Questions for you to answer during the checkout process. Example Knowledge Based Questions are Mother’s Maiden Name, Date Of Birth, and Zip Code.
*Interest rates subject to change without notice.
Identity Theft Protection From Mastercard
With your Destinations Credit Union Mastercard, you get premier protection for your account: Mastercard® ID Theft Protection™. This exclusive service is provided at no additional charge to you!
(Note: Destinations Credit Union also offers ID Shield for a low monthly fee. ID Shield provides additional features such as up to $1 million in reimbursement for costs associated with regaining your identity.)
You can confidently make purchases with your Destinations Mastercard, secure in the knowledge that you’re protected by one of the industry’s leading security programs – exclusively from Mastercard!
Did you know that 15 million people were victims of identity fraud in the U.S. in 2023?2
With Mastercard® ID Theft Protection™ Certified identity theft resolution specialists are available 24/7 to help protect you. Plus, you can monitor your identity risk level from the easy-to-use online platform.
Activate now to enjoy your benefits included with your Destinations Credit Union Mastercard for no additional charge.3
ACTIVATE NOW
The Mastercard® ID Theft Protection™ program:
| Monitors your credit file for changes that could indicate fraud, such as new credit inquiries, an address change or a new account opened in your name.1 | |
| Sends alert notifications whenever suspicious activity is detected so that you can take immediate action to minimize potential damage. The tool monitors suspicious activity related to the personal information you choose to track such as your name, address, email address, social security number, date of birth, debit/credit card numbers, or other sensitive data.1 | |
| Provides ID Theft Resolution, with white glove service, that assigns a resolution specialist to you when you require assistance resolving issues related to identity theft.1 |
1Cardholders will need to register for ID Theft Protection. Cardholders who enrolled prior to July 1, 2019, will have to re-enroll with Generali Global Assistance, Inc. at the link provided in the enrolled cardholder notices. Certain terms, conditions and exclusion apply. Please see your Guide to Benefits for details or call 1-800-MASTERCARD. Mastercard, World Mastercard and World Elite Mastercard are registered trademarks, and Mastercard ID Theft Protection and the circles design are trademarks of Mastercard International Incorporated. ©2019 Mastercard. All rights reserved. 2Identity Fraud Cost Americans $43 Billion in 2023
3To bring you this benefit, Mastercard has partnered with Generali Global Assistance, Inc., an industry leader in identity protection and fraud detection. Valid for the any Destinations Credit Union Mastercard®. Mastercard, the Mastercard Brand Mark and Priceless are registered trademarks and Mastercard ID Theft Protection and Priceless Cities are trademarks of Mastercard International Incorporated. ©2019 Mastercard.
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases, Cash Advances or Balance Transfers | 9.5% – 19.5%when you open your account, based on your creditworthiness |
| Other APRs | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance within 28 days of the closing date of the statement. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore/ |
Fees
| Annual Fee | None |
| Transaction Fees | None |
| Foreign Transaction Fee | 1.25% of transaction amount |
Penalty Fees
| Late Payment Fee | $25.00 or the amount of the require minimum payment, whichever is less. |
| Returned Payment Fee | $25.00 or the amount of the require minimum payment, whichever is less. |
Other Disclosures
| Card Replacement Fee | $15.00 |
| Cash Advance Fee | $15.00 |
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See your account Agreement for more details.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.
For California Borrowers, the Standard Mastercard/Second Chance Mastercard, Secured Mastercard and Credit
Builder Mastercard are secured credit cards. Credit extended under this credit card account is secured by
various personal property and money including, but not limited to: (a) any goods you purchase with this account,
(b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares
you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement
Account or in any other account that would lose special tax treatment under state or federal law, and (d)
collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the
foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the
Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be
secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be
deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower;
or (ii) you cease to be a covered borrower.
Note: The information about the costs of the card described in this application is accurate as of May 1, 2024.