Mastercard Credit Card
Carry the card that brings you big value, exceptional security, and ultimate convience — the Blue Flame Mastercard.
- Purchases & Cash Advances as low as 9.90% APR* Fixed Rate
- Balance Transfers as low as 9.90% APR* Fixed Rate
- No Balance Transfer Fee
- No Cash Advance Fee
- No Annual Fee
- Credit Lines starting at $500.00
- Manage your account online
- My Blue Flame Wallet App
- 25-Day Grace Period on purchases
- ATM access for emergency cash advances
- View the Mastercard Consumer Credit Card Agreement
Special Balance Transfer Offer
Lock in as low as as low as 9.90% fixed APR* for as long as you need on every balance transfer you make through 2026!
That’s right — this is NOT an introductory rate. Keep this rate for balances transferred until you pay them off — just make your minimum monthly payment. Make as many transfers as you want. And there is never a balance transfer fee at Blue Flame!
Enjoy Ultimate Convenience
Manage Your Account Online
With Online Mastercard Account Access, you can manage your Mastercard account and pay your bill conveniently online. Enroll today and you’ll be able to:
- View account balances
- Check available credit
- View current activity
- Enroll in Estatements
- View transaction history
- Pay your bill online
- Create & manage Email alerts
My Blue Flame Wallet App
The “My Blue Flame Wallet” App is available for both Apple and Android devices. Once you download the App to your mobile phone, you can easily manage your credit & debit cards with just a few taps. Learn more and get started with My Blue Flame App.
Mastercard Account Information by Phone
Call 1-844-583-1060 toll-free to manage your Mastercard credit card by phone.
Exceptional Security
Travel Notifications
It is important that you notify us when you plan to use your credit card while traveling. This will help in avoiding unusual activity being considered as fraud. In an effort to provide additional protection against Debit and Credit Card scams, your Blue Flame Credit Union will block any transactions originating from outside of the United States. If you have plans to travel outside of the U.S. please notify the credit union in advance, so that we may temporarily remove the block on your card until you return.
Report a Lost or Stolen Mastercard
- Call toll-free: 1-844-583-1060
- Outside U.S. call: 571-526-3634
Fraudulent Activity Monitoring
Monitoring your credit card statement and account is a prudent way to stay in control of your money and prevent or mitigate damages from identity theft or fraud. Blue Flame also monitors transactions for potentially fraudulent activity and will contact you by automated phone call to verify transactions if unusual activity or fraud is detected.
If you suspect fraud or want to dispute a charge, immediately contact Mastercard Member Service directly to remedy the situation: Mastercard Member Service: 1-844-583-1060
| Account Feature | Term |
|---|---|
| Purchase APR* | as low as 9.90% |
| Balance Transfer APR* | as low as 9.90% |
| Cash Advance APR* | as low as 9.90% |
| Annual Fee | None |
| Late Payment Fee | $15 |
| Credit Card Replacement Fee | $10 |
| Credit Card Rush Delivery | At Cost |
| Over the Credit Limit Fee | $10 |
| Delinquent Account APR* | 15.99% |
| Grace Period | 25 Days |
*APR = Annual Percentage Rate. Finance Charges will apply to unpaid balances and are computed based on Average Daily Balance.
Merchant Imposed Credit Card Surcharge
As part of a legal settlement, merchants can choose to charge a fee for credit card transactions. They are required to disclose this surcharge prior to purchase and on the receipt. The fee only applies to credit card purchases—NOT check/debit card purchases. Blue Flame Credit Union does not receive any of this surcharge—all fees are retained by the merchant. Learn more about Merchant Imposed Credit Card Surcharge
Need to Build Your Credit?
Open a Secured Mastercard Credit Card
If you have not established credit or need to rebuild your credit, a Secured Mastercard Credit Card is an excellent way to begin establishing good credit. Use funds from your Blue Flame Savings account† as security for your credit card. After a period of having a secured credit card account in good standing, you may request to transition into an unsecured card with an increased credit limit.
†IRA and Money Market Shares may not be used as security for a loan.
