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Credit Cards

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Unlike other credit card providers, our cards are easy to use without any hidden fees. In fact, we reward you to use your card. There is NO annual fee, and no cash advance and balance transfer fees with a Credit Union of Denver MasterCard®!

C·U·D Platinum Mastercard

Platinum Rewards MasterCard®

Current Rates: 7.24% – 14.24% VAPR*
(as of 09/01/2021)

Platinum Rewards credit card benefits:

Contactless MasterCards are coming soon!

Get Started   View Rates


C·U·D Secured Mastercard

Secured Rewards MasterCard®

Current Rate: 14.24% VAPR*
(as of 09/01/2021)

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:

Get Started   View Rates


C·U·D Mastercards with a lock around them.

Card Alerts

C·U·D Card Alerts can help you stay informed about your account! Sign-up for these free alerts and you can be notified via email and/or text messaging for certain types of account activities5 such as:

  • Purchases over an amount of your choosing
  • Online purchases – card is not present at time of purchase
  • International transactions – email alerts only when traveling
  • Declined purchases

Platinum or Secured credit card sign-up for Card Alerts

Debit card sign-up for Card Alerts  

Bonus: Setting up alerts is a great way to monitor your accounts without having to login! Learn more Card Alert details & view FAQs.


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!

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 800.449.7728

In the event any of your MasterCard(s) are lost or stolen, please call one of the following numbers immediately.

  • MasterCard Lost/Stolen Debit or Credit 800.449.7728
  • During business hours contact us 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)

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. Assistance on Credit Card transactions are handled directly by MasterCard at 866.820.5890.

You must first contact the merchant and attempt resolution, prior to contacting our cards department. Further assistance with your particular situation will require submitting a dispute form to C·U·D Cards Department. Disputes must be submitted within 60 days of the statement date when the charges occurred. For assistance and questions, please phone our Card Department at 303.963.1340 | 800.279.3288.

View your statements through cudonline: go to the section below your account summary, listed as Credit Cards/HELOC.  There is a blue button that says Card Service/Make a Payment. Selecting it will take you to the MasterCard site for viewing your transactions, making payments, viewing rewards and to access to your Statements. You can also place a travel notice on your cards should you have a trip planned outside of your frequented area. 

Please Note: Your MasterCard Credit Card or HELOC account is linked to your primary account but may have different ownership. For example; John Doe could have a joint account with Mary but the MasterCard is in John’s name only. Due to privacy concerns, please take the time to check your ownership so that you will be able to limit the view of your MasterCard from your prime account joint owner if you so choose. You may contact us at 303.239.1150 | 800.279.3288 if you are unsure about the ownership and potential restrictions. 

If the ownership is the same on the card account as it is on the prime account, both parties will be able to see the card linked within cudonline and will be able to access the card information without a separate login.  

If you’re having issues viewing your MasterCard eStatements when using your iPad all you have to do is tap on your iPad’s settings icon, locate the browser you wish to edit and under the general section turn off the pop-up blocker temporarily. This will allow your MasterCard eStatements to be displayed.

  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)

Card Alerts FAQs

We do not charge a fee for this benefit. If you elect to receive e-mail consumer-selected alerts, there is no cost to you. If you elect to receive SMS/Text message alerts, alerts will be sent to your mobile phone and standard text message and data rates may be assessed by your mobile carrier. Please note, acceptance of messages received is the sole liability and responsibility of the cardholder.

For Credit and/or Debit Card Alerts, you can register your card(s) through My MasterCard or through Member Alerts on your mobile app.

  1. Click ‘Register or Return’
  2. Enter the requested information
  3. Select any alerts you would like to receive
  4. Click submit
  5. You will receive a text message to complete your registration and you must reply yes.

Typically, responses arrive within one minute, but timing may vary. You may experience delays or failures in delivery of an alert because of any of the following circumstances: (1) merchant delay in processing a transaction; (2) delays and/or failures attributable to network operators and telecommunications providers; (3) if your mobile device is off or out of operating range of a carrier with an appropriate signal for SMS and/or data services; (4) a variety of other wireless service and coverage conditions; (5) active or passive filtering of e-mail messages; and (6) insufficient space in the email account that is to receive email messages.

Your mobile phone may be blocked from receiving third-party text messages. Check with your carrier and ask them to remove the block from your phone.

No. Text message alerts can only be sent via U.S. carriers and will only be receivable in the U.S. If you live or travel outside of the U.S., you will need to specify an email address to begin receiving alerts to that email address.

Yes. If you are an authorized user, you can enroll as many mobile numbers and email addresses for an account as you wish. You may create a unique 10 character alphanumeric registration nickname per registration to assist you in identifying the card for which the alert is triggered.

In most cases, your existing alert settings will be transferred to your new card number. Please review your settings online to ensure you continue receiving text messages or emails about potentially fraudulent activity.

Text messages are unique in that they can only hold 160 characters. Some commands require multiple messages to return all of the necessary information.

Yes. Our first priority is to protect your personal information. If you ever receive a text message asking for your member number, account numbers or other personal information, DO NOT RESPOND!

In order to receive alerts to your new phone number or through e-mail, you will need to re-register your card with the new mobile number or email by changing them within your saved registration.

Send a text that says STOP to 26499 for debit alerts, or 57526 for credit alerts. You will receive an opt-out confirmation.

You can also unsubscribe to this service by deactivating your registration on this site.

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. 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.

No, just make sure you use your credit card and sign for your purchases when you shop and you’ll automatically earn Mall points.

Participating in CURewards Mall is free for CURewards members.

Simply visit the CURewards Home Page, sign in and look for the featured offers. 


CUDeals logo

CUDeals

CUDeals are cashback merchant rewards you select based on your shopping preferences, and are a feature of our Checking accounts with Debit Cards that are associated with an eligible Checking account.4

This program gives you the power to select and activate special offers within Online Banking or Mobile Banking. CUDeals can put extra money in your pocket for shopping at places you already do since these offers are tailored to you based on your purchase history. 

Just use your C·U·D Debit and the selected cashback reward amount will automatically be deposited into your Checking account (typically the following month). It’s a win-win!

Learn More About CUDeals


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 July 1, 2020, the current Daily Periodic Rate for our lowest rate will be 0.0198 (with the corresponding Annual Percentage Rate 7.24% to 14.24%). Our Credit Card Agreement has all the fine print details on the Mastercard Platinum Variable Rate & the Mastercard Secured Card account.

Design Your Own Card fee of $9.95 is charged for each customized design. Please note that your card’s expiration date will change with each card re-issue. The change will affect any automatic payments set up with your credit card account. It is your responsibility to notify merchants of expiration change to credit card.

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.

4 CUDeals – Only the C·U·D debit card(s) associated with eligible checking account(s) are eligible for use with CUDeals. To qualify for CUDeals rewards, your purchase must be made as specified in the CUDeals offer. This is an opt in program. When you sign up within online or mobile banking, you accept the CUDeals Terms and Conditions or requesting to "View Offers", your participation in CUDeals, or your acceptance, redemption, or receipt of any offer or reward made available in connection with CUDeals, constitutes your acceptance of and agreement to these CUDeals Terms and Conditions. More info available in our Terms and Conditions.

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