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Credit Cards

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Our cards are easy to use and manage with the tools within Digital Banking and without any hidden fees. In fact, we reward you to use your card. There is NO annual fee, and NO cash advance and NO balance transfer fees with a Credit Union of Denver MasterCard®!

C·U·D Contactless Platinum Mastercard

Platinum Rewards MasterCard®

Current Rates: 11.74% – 18.74% VAPR*
(as of 04/09/2025)

Platinum Rewards credit card benefits:

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Use this calculator to see if a credit card balance transfer is right for you

C·U·D Contactless Secured Mastercard

Secured Rewards MasterCard®

Current Rate: 18.74% VAPR*
(as of 04/09/2025)

Our Secured Rewards MasterCard  can help build or rebuild your credit. It works like a regular credit card, but your credit limit is determined by the amount of money you deposit and hold in a savings account and it even earns interest! Just deposit money, use your card, pay it back, and build your credit – it’s as easy as that! You’ll even earn reward points while you work on your credit without all the fees usually associated with other cards.

Our Secured MasterCard provides the same benefits as our Platinum credit card:

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Card management with card lock - alerts, limits, locks

Card Management

C·U·D Card Management within Digital Banking, provides effective tools to help you take full control of your card's actions. The tools are fully customizable to notify you through SMS text or email.
Here are some available options: 

  • Two-factor authentication
  • Ability to block cards 
  • Set alerts
    • Exceeding spending limits
    • Spending alerts
    • Transaction alerts
  • Set travel notifications
  • Report lost/stolen cards with replacement option 
  • Review total rewards earned
  • Virtual cards

More Card Management details  

logo - CURewards

The fastest way to earn more points and rewards!

CURewards allows you to earn one (1) point for every dollar ($1) spent with your Credit Union of Denver Platinum Rewards or Secured Rewards MasterCard! Now you can earn even more with over 25,000 select merchants. Simply shop in-store or online at participating retailers and get bonus rewards points and special offers.

  • Shop – Visit CURewards.com to access the CURewards Mall and find your favorite participating online or in-store retailers.
  • Earn – Every time you use your Credit Union of Denver credit card you earn points. Plus, when you shop at a CURewards Mall merchant, you can earn extra points.
  • Redeem – Your Mall points will automatically combine with your CURewards points for even bigger rewards. Redeem them for gift cards to your favorite store, merchandise, travel, and more.

Get Shopping & Earning Today!

Contactless Card FAQs

Contactless cards use radio-frequency identification (RFID) technology. This allows the card to communicate with the card reader when the card is held near the reader during a transaction.

At participating stores that have contactless readers, simply hold your contactless card against the reader to securely authenticate your card information for payments.

Contactless payments are secure. Enjoy 100% fraud protection on your contactless payments. For security purposes, you'll occasionally be asked to enter your PIN when making a contactless payment.

Preventing Credit Card Scanning - options

  1. Buy an RFID card sleeve (we can send you one for free) or RFID wallet that blocks RFID transmissions.
  2. Stack your cards together to mitigate some of the scanner's ability to read information.

MasterCard Debit & Credit Cards FAQs

MasterCard Debit Card is available to members with a Credit Union of Denver Checking Account. The purchase amounts are deducted from your Checking Account.  It allows access to ATMs that provides transactional assistance with your Savings or Checking Account at ATMs. Plus, it allows you to make purchases everywhere MasterCard is accepted.

A MasterCard Credit Card provides access to a line of credit and allows you to make purchases and cash advances everywhere MasterCard is accepted.

Credit Cards can be received in approximately seven to ten business days from the ordered date.

Debit Cards are available immediately during business hours Monday through Friday 9:00 am to 4:30 pm at our Alameda Branch or can be mailed out and received within 3-5 business days (depending upon USPS).

Yes, if they are a joint owner on your account.

If your card has been declined, please call our Card Department during business hours at 303.963.1340 | 800.279.3288. (Monday – Friday, 8:30 am to 5:00 pm, or Saturday 9:00 am to 12:30 pm MST)

After Hours contact MasterCard directly at:

  • For Debit Cards 888.918.7746
  • For Credit Cards 866.820.5890

First, within Digital Banking lock your card.  This will make your card unusable. Under Card Management select the card you wish to report and go to Replacement Options to select a reason and follow the prompts.

As an alternative option you may contact us during business hours or call Mastercard® direct with the numbers below:

Card Department

  • Card Services during regular business hours 303.963.1340

Lost or Stolen Cards After Hours

  • Credit Card – 866.820.5890
  • Debit Card – 888.918.7746

Yes, deposits made at ATMs may have a 2-business day hold placed on them; however, the first $100 of your deposit will be available immediately.

You must first contact the merchant and attempt resolution, prior to contacting MasterCard or Credit Union of Denver. Disputes must be submitted within 60 days of the statement date when the charges occurred. 

For further assistance with either debit or credit card disputes, we can assist in-person at our branch or over the phone by calling our Call Center at 303.234.1700. 

Outside of business hours to recieve assistance on Credit Card transactions only call directly to MasterCard at 866.820.5890. 

You can view your transactions on any of your card accounts through Digital Banking or by reviewing your statements. 

  1. During normal business hours: please contact us using the secure email portal or call us at 303.963.1340 | 800.279.3288,
  2. Outside normal business hours: please contact MasterCard Customer Service at 800.654.7728. (Note:  MasterCard Customer Service can only reactivate your card one day at a time, so you may need to call back each day if you are gone over a weekend or holiday)

CURewards® Mall FAQs

CURewards Mall is a program that allows you to earn extra Mall points by using your Platinum or Secured C∙U∙D MasterCard, at no additional cost to you. Redeem points for gift cards, retail items or travel.

Earning is easy. Points are earned in 2 different ways:

Every time you use your Credit Union of Denver MasterCard credit card you earn 1 base point for each $1 spent.

When you go into the CURewards Mall and select participating retailers listed, you may earn multiples for purchases made at those retailers you select. Example: Target offers 2 points per $1 spent. You add it to your preferences and shop at Target to earn the extra points.

Just remember to click on the links in each offer or use your card when shopping in participating retailers’ stores. Extra points are optional and are based on participation of the retailers.

Simply view the list of “In-Store Mall” retailers or shop directly through the website at the Online Mall retailers.

Mastercard symbol

Mastercard Enhancements

Using your C·U·D Mastercard provides you benefits directly from Mastercard. 

  • Extended Warranty 
    Purchases made with your C·U·D Mastercard will be eligible for an extension to the original manufacturer warranty2
  • Price Protection
    If you see a printed advertisement for the same product purchased with the covered card, you may be eligible for the difference amount credited to your account2
  • Identity Theft Resolution Services
    24/7/365 services provide you access to ID theft resolution services2
  • Lost & Stolen Assistance
    • Worldwide, 24 hours assistance with lost or stolen card reporting
    • Emergency Card Replacement and Emergency Cash Advance services.2

Learn More

* Mastercard Platinum Variable Annual Percentage Rate (VAPR) & Cash advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall Street Journal in effect on the last day of May and November of each year (“Index”) plus 3.99% to 10.99% Margin depending on credit worthiness. The index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest rate on the 1st day of the billing cycle in January and July of each year. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments. Your Interest Rate will never be greater than 20.99% and will apply to your remaining principal balance. As of January 1, 2025, the current Daily Periodic Rate for our lowest rate will be 0.0342 (with the corresponding Annual Percentage Rate 11.74% to 18.74%). Our Credit Card Agreement has all the fine print details on the Mastercard Platinum Variable Rate & the Mastercard Secured Card account. Not all borrowers will qualify for the lowest rate.

Important Notice to our members concerning credit card surcharges:

Beginning January 27, 2013, Visa and Mastercard will allow merchants to pass along their payment processing costs to consumers who pay with a credit card. This would mean that a merchant who chooses to exercise this new right could impose a surcharge, sometimes referred to as a “checkout fee,” that could increase your credit card purchase amount by as much as 4% (maximum allowed).

Under the settlement:

The surcharge cannot exceed the amount that the merchant actually pays to accept credit cards—normally between 1.5% and 3% of the transaction amount. Surcharges can be imposed on credit card transactions only, not on purchases made with debit cards or prepaid cards.

Merchants must disclose the credit card surcharge clearly—at the store entrance and the point of sale or on the homepage if the merchant does business on the Internet. The disclosure must include the amount of the surcharge, the fact that the fee is being charged by the merchant, and that the fee does not exceed the merchant’s cost to accept credit cards. The dollar amount of the surcharge must appear on the transaction receipt. Merchants are not allowed to impose a credit card surcharge in California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma or Texas, where such fees are prohibited under state law.

1 Foreign Transaction Fee for all debit and credit card transactions made in foreign countries, in foreign currencies, or initiated by phone or Internet with parties located outside of the U.S. 1% fee is calculated on final settlement amount in US dollars.

2 Please consult Mastercard Guide to Benefits for Credit Cardholders for qualification and circumstance details, and how to file claims. Subject to eligibility and is directly provided by Mastercard. Learn more at us.mycardbenefits.com.

4New card holders will receive 10,000 CURewards points if they spend at least $1,000 on their new Platinum Mastercard within the first 60 days of the new card open date.

5 Please note Card Management is free to use, but message and data rates may apply from your communications service provider. Subject to eligibility and further review.