Mastercard Credit Card

Carrying cash isn’t always an option. Shopping is easy with your Blue Flame Mastercard. With a low rate, convenience, security and flexibility it’s priceless!

Our Mastercard Gives You Options and Value

Your lifestyle requires a card that offers exceptional benefits, services, and the spending power that can help make your financial and personal dreams come true.

  • 9.90% APR* Fixed-Rate on Purchases, Balance Transfers & Cash Advances 
  • No Cash Advance Fee
  • No Annual Fee
  • No Balance Transfer Fee
  • Credit Lines starting at $500.00
  • Manage your account online
  • 25-Day Grace Period on purchases
  • ATM access for emergency cash advances
  • Secured Mastercard available to establish or rebuild credit
  • View the Mastercard Consumer Credit Card Agreement
Mastercard
Account Feature Term
Purchase APR* 9.90%
Balance Transfer APR* 9.90%
Cash Advance APR* 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
Effective August 19, 2022

*APR = Annual Percentage Rate. Finance Charges will apply to unpaid balances and are computed based on Average Daily Balance.

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.

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

Sign Up for Online Mastercard Account Access

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.

Mastercard Account Information by Phone

Call 1-844-583-1060 toll-free to manage your Mastercard credit card by phone.

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

Charge Dispute or Fraudulent Activity

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

Learn more about Scam & Fraud Awareness

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

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