The card that helps you get more out of every day.

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Unlimited cashback is only the beginning. Our World Mastercard helps you get more out of every day with enhanced benefits!
  • 1% cashback everywhere, every time.
  • 3% cashback in select bonus categories.* Current categories include restaurants and fast food establishments.

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Maximize your cashback by using the World Mastercard on the things you buy most!
  • APR** as low as 15.99%
  • No annual fee
  • No balance transfer fee
  • No cash advance fee

Earn $150 for spending $5,000 or more in the first 90 days.

Click here to learn how to cash in on your cash back!

Exclusiv offers MC

Get Free Delivery on your favorite flavors, reduced fees and exclusive offers with DashPass, the monthly subscription service from DoorDash. New members get 3 free months of membership. Plus, DashPass members get $5 off their first 2 orders per month.1

Learn More About DoorDash

Make mealtime simple with easy-to-follow recipes and fresh pre-portioned ingredients delivered straight to your door. Earn 5% back on every HelloFresh order for use on future purchases.2

Learn More About Hello Fresh

More rides means more adventure. And if you take just 3 rides with Lyft in a month, you’ll get a $5 credit once per month to put towards your next ride.3

Learn More About Lyft


Free ShopRunner membership. Members currently receive free 2-day shipping and free return shipping at 100+ stores including Bloomingdale’s, Saks Fifth Avenue, Lenovo, Brooks Brothers and more.

Learn More About Shop Runner

MC here when you need it
Mastercard ID Theft ProtectionTM
Monitor your credit file for fraud, receive alert notifications about suspicious activity, and get assistance from a resolution specialist.5

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logo-hellofresh-new-1280x720 Mastercard Zero Liability Protection
Whether you pay in store, over the phone or online, you’re not responsible in the event someone makes unauthorized purchases with your card.6

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Global Emergency Services
Get emergency assistance virtually anytime, anywhere and in any language. Report a lost or stolen card, get an emergency replacement and more.

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              MC Travel & Lifestyle
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Complimentary Professional Travel Services

Call, email or live chat with a Lifestyle Manager 24/7/365 to help with all your travel needs.7


Mastercard Hotel Stay Guarantee

Book a three-star or higher hotel stay through the Mastercard Travel & Lifestyle Services program, and should you encounter problems with the hotel, a Lifestyle Manager will work to make it right.8


Lowest Hotel Rate Guarantee

If you book a qualifying prepaid hotel rate through Mastercard Travel & Lifestyle Service and you find the same exact hotel stay for less, we will refund the difference.9


Mastercard Luxury Hotel and Resorts Portfolio

Amenities and upgrades at more than 3,000+ properties around the globe, like complimentary breakfast for two daily, amenity credits up to $100 and more.


Free Nights, Car, RV, Air

Enjoy free nights at partner hotels, status upgrades on car rentals, savings on air and private jets.


Mastercard Airport Concierge®

Dedicated meet-and-greet agent to escort you and your loved ones through the airport at 700+ locations worldwide.

MC Priceless Experiences
 mom and kid cooking  

Priceless Experiences

Enjoy unforgettable moments with your friends and family. Discover all our digital Priceless Experiences today.

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Priceless Golf®

Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.

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Access Your Account Information
Manage your account through Online Banking,
Access Point, or by downloading our Mobile
Banking App
. Conveniently check balances,
make payments, and see transactions.

Start Earning Rewards
In addition to earning 3% cashback in bonus
categories, you also earn 1% cashback on all
other purchases.* Save time and earn cash
back on your monthly expenses by setting up
automatic payments to your card.

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Add To Your Digital Wallet
Add your new card to your digital wallet and
breeze through the checkout lines!

Add Additional Cards
Earn rewards together and share the benefits
of your card membership with those who matter
most. Get started by calling 1-800-359-7650 or

World Mastercard Benefits Guide


* World Mastercard cardholders will receive 3% cash back in select bonus categories and 1% cash back on all other purchases. 3% cash back category changes quarterly. See Terms and Conditions for full program and service details.

**Annual Percentage Rate (APR) is variable and currently ranges from 15.99% to 17.95% and is accurate as of 9/27/2022. Your APR is determined by program selected and credit history. All other information will be disclosed when you receive your card in the mail. Please contact the credit union at

757-877-2444 with questions or concerns.

1. DoorDash DashPass Trial: Free three-month trial for eligible Mastercard World and World Elite cardholders for 90 days from the day on which it is initiated. Offer valid from April 1, 2021, to September 30, 2022, or while supplies last. This offer may be amended or canceled at any time without notice. AFTER DASHPASS TRIAL PERIOD ENDS, YOU WILL AUTOMATICALLY BE CHARGED $9.99/MONTH, PLUS ANY APPLICABLE FEES. SEE FULL DASHPASS TERMS AND CONDITIONS HERE: To cancel at any time, go to “Manage DashPass” in your DoorDash account and select “End Subscription.” DashPass order benefits are applicable only on orders with a minimum subtotal of $12 or above, excluding alcohol, taxes and fees. Other fees (including service fee), taxes and gratuity still apply. $5 Off First Two Deliveries: Valid on first two orders every month for eligible Mastercard World and World Elite Limit DashPass subscribers. From April 1, 2021, to September 30, 2022, or while supplies last. This offer may be amended or canceled at any time without notice. If the full $5 value is not used on a single order, the remaining value will be forfeited. Not valid for the purchase of alcohol. Fees, taxes and gratuity still apply. All orders subject to availability. Must have or create a valid DoorDash account with a valid form of accepted payment on file. No cash value. Non-transferable. The Terms and Conditions related to the usage of mobile wallets, like Apple Pay or Google Pay, can be found at Click the following link for additional DoorDash Promotional Terms and Conditions: In the event of a direct conflict between these DoorDash x Mastercard World and World Elite Offer Disclosures (“Offer Disclosures”) and the DoorDash Promotional Code(s) Terms and Conditions, these Offer Disclosures apply.
2. HelloFresh Offer valid only for those who enroll or confirm a World or World Elite Mastercard consumer credit card (“Eligible Cardholders”) as the payment method on the HelloFresh platform via HelloFresh will provide a 5% credit on the cost of all purchases (excluding the value of applicable taxes and delivery fees charged on, and discounts and credits applied to, such purchases) made between April 1, 2021, and September 30, 2022, (inclusive) on HelloFresh’s platform using an enrolled or confirmed Eligible Mastercard Card (“Credit”). Credits provided to Eligible Cardholders under this offer will be credited to the Eligible Cardholder’s HelloFresh account for the Eligible Cardholder to apply as a credit to future purchases on HelloFresh’s platform. Credits provided through this offer will be cumulative (i.e., may be combined with other credits when being applied to future purchases) and will not expire so long as the Eligible Cardholder maintains an active HelloFresh account. Credits may be earned on discounted purchases, but Credits may not be applied to purchases in combination with other discounts. Offer valid only toward meal plan, does not apply to gift cards, premiums, meal upgrades, add-ons, taxes or shipping fees. Offers have no cash value. Offers cannot be sold or otherwise bartered. Void where prohibited, taxed or otherwise restricted. HelloFresh has the right to end or modify any offer at any time. Offer applies only to the 48 contiguous United States unless otherwise noted. Additional restrictions may apply. See and for more details.
3. Lyft Take 3, Get $5: Beginning 4/1/21 and running through 9/30/22, Lyft users can participate in Lyft and Mastercard’s Take 3, Get $5 program (“Program”) by taking and partially or fully paying for three (3) Eligible Rides in a calendar month to receive a $5 Lyft credit (“Credit”). The rides must be paid for with an eligible World or World Elite Mastercard credit card (Apple Card is not eligible for this program, but Apple Pay or Google Pay may be eligible if your World or World Elite Mastercard credit card is the funding source). Limit one Credit per calendar month per Lyft account. An “Eligible Ride” is any Lyft ride type, excluding business rides and bicycle and scooter rental rides. Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft’s sole discretion. Credits expire 30 days after application. Limited time only and while supplies last. By participating in the Program, you agree to these terms and Lyft’s Terms of Service, and you agree that Lyft and Mastercard may share your information for the purposes of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to 2 days to be applied to your Lyft account.
4. ShopRunner Valid through 9/30/22. To get the free ShopRunner membership offer, compliments of Mastercard, please go to and verify your eligibility for the offer with a World Mastercard or World Elite Mastercard account number and then complete the sign-up for a ShopRunner membership account. For details on how the ShopRunner membership works, please see the ShopRunner Terms and Conditions at, which govern the use of your ShopRunner membership offer.
5. Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Generali Global Assistance, Inc. Please see your guide to benefits for details or call 1-800-MASTERCARD.
6. These are summary descriptions only. Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit Contact your issuing financial institution for complete coverage terms and conditions or call 1.800.Mastercard (1.800.627.8372) for assistance. Applicable to U.S. cardholders only.
7. Certain terms, conditions and exclusions apply. Visit for full details. Mastercard Travel & Lifestyle Services are provided by Ten Lifestyle Management Ltd. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services.
8. If you book your three-star or higher hotel stay through the Mastercard Travel & Lifestyle Services program and you encounter problems with the hotel, contact Ten Lifestyle Management Limited, the designated travel agent for the Mastercard Travel Services program during your stay and a Ten Lifestyle Manager will attempt to make it right for the remainder of your stay by working directly with the hotel to try to resolve your issue or will make efforts to find you comparable accommodations. Certain terms, conditions and exclusions apply. Visit for full details.
9. Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying “prepaid hotel rate” or “pay at local hotel rate” hotel stay through the Mastercard Travel & Lifestyle Services program either online or through an authorized program agent using your Mastercard and then find the same hotel room type, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we’ll refund you the difference. To receive a refund you must submit a claim as described in the Terms and Conditions prior to your stay and at least seventy-two (72) hours before the date of your reservation check-in.

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