The Low-Rate Credit Card You Deserve

Few things are as ubiquitous in our financial lives as credit cards. Credit cards are easy to carry, they are the standard for online purchases, and they make it possible to navigate cashless venues. Whether you are just starting out or wanting to add a great card to your wallet, FOCUS Credit Union offers a credit card that can meet your needs.  

If you are looking for a great rate for a credit card that also offers you rewards, then you are in the right place. Our no-annual-fee Mastercard options are here to serve our members with accessible card controls and a rewards program that provides many options. Apply online or stop by one of our convenient branches to talk about how a FOCUS Credit Union rewards credit card can work for you.

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Gold Mastercard*

Classic Mastercard*

  • Minimum credit limit of $5,000
  • Low rate of 11.8% APR **
  • NO Annual Fee
  • Rewards=1 point for every $1 in purchases
  • Eligible for FCU Skip-A-Payment
  • Card Controls at fingertips in App and Online

Full card benefits brochure

  • Credit limit starts at $300
  • Low rate of 12.9% APR **
  • NO Annual Fee
  • Rewards=1 point for every $1 in purchases
  • Eligible for FCU Skip-A-Payment
  • Card Controls at fingertips in App and Online

Full card benefits brochure

Apply Now
Visit or Call Us

*Card and Rate based on credit worthiness.
**APR-Annual Percentage Rate. Rates and terms are subject to change and are not guaranteed.


Take Control of Your Credit with Credit Sense


With Credit Sense, you can access your credit score and report directly through FOCUS Credit Union’s Online and Mobile Banking platforms. This integration allows you to monitor your credit health without the need for additional logins.