MasterCard®
Type of Loan |
Rate (VAPR3) |
Platinum |
12.24% to 19.24% |
Secured |
19.24% |
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®!
Platinum Rewards MasterCard®
Current Rates: 12.24% – 19.24% VAPR*
(as of 11/01/2023)
Platinum Rewards credit card benefits:
- NO Annual Fee
- NO Cash Advance Fee
- NO Balance Transfer Fee
- Only 1% Foreign Transaction Fee1
- Contactless "Tap & Go" Technology
- Earn CURewards™ points
- FREE Mastercard Enhancements
Get Started View Rates
Secured Rewards MasterCard®
Current Rate: 19.24% VAPR*
(as of 11/01/2023)
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:
- NO Annual Fee
- NO Cash Advance Fee
- NO Balance Transfer Fee
- Only 1% Foreign Transaction Fee1
- Contactless "Tap & Go" Technology
- Earn CURewards™ points
- FREE MasterCard Enhancements
Get Started View Rates
Card Control
C·U·D Card Control can help you stay informed about your account! Sign-up for these free alerts within Mobile Banking for your cards and you can be notified via text messaging for certain types of account activities5 such as:
- Spending Limits
- Transaction Alerts
- Spending Alerts
- Declined Purchases
- Ability to Lock or Unlock your Cards
Learn More about Card Control

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
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
In the event any of your MasterCard(s) are lost or stolen, please call one of the following numbers immediately. For security purposes, your current card will be closed down and a new card will be reissued with a new number. A new card will take 7-10 business days. Debit cards can be issued on site at our Lakewood branch. Expedited card replacement is available for a convenience fee.
- MasterCard Lost/Stolen Debit 888.918.7746 or Credit 866.820.5890
- 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 can be assisted in-person or over the phone by calling our Call Center at 303.234.1700. They will help to fill out and submit the appropriate forms. Disputes must be submitted within 60 days of the statement date when the charges occurred.
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 303.234.1700 | 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.
- During normal business hours: please contact us using the secure email portal or call us at 303.963.1340 | 800.279.3288,
- 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. 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.
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 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