DOLFCU's MasterCard®

Now is a great time to transfer your higher-rate balances to DOLFCU’s MasterCard®!

With no hidden fees or fancy gimmicks, DOLFCU's MasterCard® gives you all the purchasing power you need--anywhere, anytime - along with an everyday low rate! Pay off your higher rate debts and save money today! 

Apply ONLINE and start taking advantage of:

  • 1.99% APR1 on balance transfers for 12 months! After 12 months, the APR you qualify for, based on your credit, currently between 8.99-17.99%, will apply.
  • Credit lines up to $25,000.
  • No annual fee, no balance transfer fee, and no cash advance fees.
  • No fees2 and same low APR on both cash advances and purchases!
  • FREE online and mobile access.
  • Rewards from travel to gift cards to merchandise & beyond!

1 1.99% Promotional APR applies to balance transfers for 12 months from the date your first transfer posts to your account. Your current APR, between 8.99%-17.99% APR, will apply to any other transactions and any transfer balances remaining when the promotional period expires. Interest on balance transfers begins to accrue immediately. Loan approval and processing is based on standard loan underwriting guidelines. Certain restrictions apply, contact us for details. Equal Opportunity Lender. Offer available for a limited time only and subject to change without notice.

2 Foreign Transaction Fees (FTF) for Debit and Credit Card Programs: There is a 1% FTF assessment for international transactions. (See below for information on rates and fees.)

Consumer Credit Card Agreement and Disclosure - Standard MasterCard
Updated June, 2017

Your Points, Your Perks, Your Way!

Rewards! is a simple, easy to use program that lets you earn points when you use your rewards card. From groceries to utility bills to dining, your everyday purchases will really pay off. Rewards! offers you the freedom to choose the rewards you really want. How and when you use your points is up to you!

Hundreds of Reward Options

Earn 1 point for every $1 in credit card signature purchases. Redeem your points for rewards including merchandise, travel, gift cards, experiences, cash back, charitable donations and more.

Sign in or Register today!


With our extensive merchandise selection, you’ll be sure to find the reward item you’ve been saving for! Browse hundreds of brand-name rewards including cameras, tablets, gaming consoles and more!

Green Products

Choose from products that are energy saving, resource conserving, made from recycled materials or made from natural materials.


Spontaneous or planned, however you choose to travel; Rewards! offers a wide range of getaways to suit your style. Browse top travel destinations, access exclusive deals and redeem points for airline tickets, hotel accommodations, car rentals, cruises, vacation packages and destination activities & excursions all in one place. Enjoy freedom from restrictions!

  • No blackout dates
  • No advance notice requirement
  • No round-trip flight requirement
  • No Saturday night stay requirement

Gift Cards

Rewards! features dozens of merchants in various categories. Sample gift cards include:

  • Dining (Olive Garden, Applebee's...)
  • Entertainment (Game Stop, Fandango...)
  • Fuel (BP...)
  • Salon & spa
  • Shopping (Macy's, Best Buy...)


From golf trips to white water rafting, Rewards! has the rewards to fit your unique lifestyle. Sample experiences include:


  • Round of golf
  • In-home session with a personal trainer
  • White water rafting


  • Wine lover’s getaway
  • Luxury ski getaway
  • 2 nights in Las Vegas


  • Stock car racing ride along
  • Hot air balloon ride
  • Private couple’s cooking class

Cash Back

Rewards! offers you the flexibility and freedom to spend your reward any way you want. You may choose to receive an account credit that will be applied to your rewards account* or choose to redeem for our prepaid card that can be used at millions of locations. Treat yourself to a fun evening out, gift a friend or a family member or get that little extra something you’ve always wanted. Remember, the more you spend the more you earn!

Charitable Donations

Pay it forward with points! Redeem your points for a greater good by selecting a CharityChoice gift card. Donations can be designated to up to 3 charities of your choice.

*Points will automatically be subtracted from your account and a credit will appear on your Rewards! account within the next two billing statements after your order was placed.

PIN Change / Card Activation

Change Card PIN to your selected PIN from any touch tone phone:
(877) 267-6914

Activate your card using a touch tone phone:
(866) 619-0245

Lost/Stolen Cards

During business hours, report a lost/stolen card:
(202) 789-2901

After-hours & weekends, report a lost/stolen card:
(800) 528-2273

When traveling internationally, report a lost/stolen card:
(812) 647-9794

To report fraud or a dispute transaction:
(800) 808-6402

Mastercard Application and Solicitation Disclosure

Annual Percentage Rate (APR) for Purchases 8.99%-17.99% when you open your account, based on your creditworthiness.
APR for Balance Transfers 8.99%-17.99% when you open your account, based on your creditworthiness.
APR for Cash Advances 8.99%-17.99% when you open your account, based on your creditworthiness.
How to Avoid Paying Interest
on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau 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
Set Up and Maintenance Fee Account Set-up Fee None
Program Fee None
Participation Fee None
Additional Card Fee None
Application Fee None
Transaction Fees Balance Transfer Fee None
Cash Advance Fee None
Foreign Transaction Fee 1% of each transaction in U.S. dollars
Transaction Fee for Purchase None
Penalty Fee Late Payment Fee Up to $20.00
Returned Payment Fee Up to $28.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Effective Date:
The information about the costs of the card described in this application is accurate as of November 1, 2020. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Standard Mastercard is a secured credit card. 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.

Other Fees & Disclosures:

Late Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.

Returned Payment Fee: $28.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee: $5.00.

Document Copy Fee: $4.00.

Emergency Card Replacement Fee: $55.00.

PIN Replacement Fee: $5.00.

Rush Fee: $55.00.

Statement Copy Fee: $3.00.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.