Compare Credit Cards
Three great options to choose from
- Use worldwide wherever MasterCard® is accepted
- Earn CU Rewards points on purchases
- Fixed and variable rate options
A Credit Card for Your Infinite Adventures
|
MasterCard Classic
Our standard credit card
|
MasterCard Platinum
Our variable rate credit card
|
MasterCard Platinum Plus
Our low fixed rate credit card
|
|---|---|---|
| Current APR | ||
|
14.88% * |
Prime + 4.00% ** |
10.99% * |
| Non-Variable APR | ||
| No Annual Fee | ||
| CU Rewards | ||
| Available Credit Limit | ||
|
$200 - $30,000 |
$200 - $30,000 |
$200 - $30,000 |
| 25 Day Grace Period on Purchases | ||
| MasterCard Zero Liability Protection | ||
| 24/7 Digital Banking Access | ||
|
MasterCard Classic
Our standard credit card
|
|---|
| Current APR |
|
14.88% * |
| Non-Variable APR |
|
Yes |
| No Annual Fee |
|
Yes |
| CU Rewards |
|
Yes |
| Available Credit Limit |
|
$200 - $30,000 |
| 25 Day Grace Period on Purchases |
|
Yes |
| MasterCard Zero Liability Protection |
|
Yes |
| 24/7 Digital Banking Access |
|
Yes |
|
MasterCard Platinum
Our variable rate credit card
|
|---|
| Current APR |
|
Prime + 4.00% ** |
| Non-Variable APR |
|
No |
| No Annual Fee |
|
Yes |
| CU Rewards |
|
Yes |
| Available Credit Limit |
|
$200 - $30,000 |
| 25 Day Grace Period on Purchases |
|
Yes |
| MasterCard Zero Liability Protection |
|
Yes |
| 24/7 Digital Banking Access |
|
Yes |
|
MasterCard Platinum Plus
Our low fixed rate credit card
|
|---|
| Current APR |
|
10.99% * |
| Non-Variable APR |
|
Yes |
| No Annual Fee |
|
Yes |
| CU Rewards |
|
Yes |
| Available Credit Limit |
|
$200 - $30,000 |
| 25 Day Grace Period on Purchases |
|
Yes |
| MasterCard Zero Liability Protection |
|
Yes |
| 24/7 Digital Banking Access |
|
Yes |
MasterCard Platinum was issued by Astera Credit Union prior to 11/1/2025 and is no longer being offered. This information is for current cardholders only.
Features:
- No annual fee
- No overlimit fee
Promotion:
- 0% APR for the first 12 months on balance transfers
- 2% APR for the first 6 months on purchases
MasterCard Platinum Rewards was issued by Astera Credit Union prior to 11/1/2025 and is no longer being offered. This information is for current cardholders only.
Features:
- No annual fee
- No overlimit fee
- 1 point earned on every 1 net dollar(s) in credit card purchases.
- Points redeemable for cash back, gift cards, and limit travel options. Redeemed in Access Point
Promotion:
- 0% APR for the first 12 months on balance transfers
- 2.00% APR for the first 6 months on purchases
- Earn 5,000 points if you spend $1,000 in the first 90 days.
Rewards card details:
- 1 point(s) earned for every $1 net dollar(s) in credit card purchases.
- Points exist on an account for 3 calendar years. ex; 2022 (calendar year 1), 2023 (calendar year 2), 2024 (calendar year 3).
- Members will be notified when points are ready to expire on their statement.
- Spend $1000 in the first 90 days, get 5,000 bonus points (equates to $50).
- Points can be redeemed for cash, gift cards, and limited travel options.
- Cash can be redeemed in $50 increments. Cash can be deposited to member’s account or as a payment to the card. Cash cannot go to pay other Astera loans.
Click here to read the full Consumers Member’s Benefits Guide
Start your Adventure today by joining the credit union.
Frequently Asked Questions
Yes, Adventure Credit and Debit cards will work internationally. There is no fee to use your debit card internationally. However, merchants may charge their own fee for international transactions or there may be a fee for the currency conversion. If you are unsure, reach out to the merchant first. If you are planning on traveling, please submit a travel notification in digital banking. After logging in to your account, select Support, then Messages to send us a message regarding your travel dates and locations. Or give us a call or stop into your local branch during business hours.
If you are planning on traveling protecting your credit and debit cards is vital. We suggest getting a travel notice in place. To submit a travel notification, log in to your online banking and select Support, then Messages to send us a message regarding your travel dates and locations. Or give us a call or stop into your local branch during business hours.
*APR = Annual Percentage Rate. Rates are valid as of
3/24/2026
and are subject to change without notice. Cash advance fee: 3.00% of the transaction amount. Cash advance fee is waived if the cash advance is done in an Adventure Credit Union branch or at an Adventure CU ATM. Foreign transaction fee: 1% of transaction amount. Late payment fee of $20 is assessed if payment is received 5 or more days late. All credit cards are subject to credit approval, income qualifications, and underwriting standards. Contact us for more information. $5 membership required if not already a member.
**Only the MasterCard Platinum rate is variable and subject to change after account opening. Variable rate is calculated as the Prime Rate + 4.00%.