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  1. Home
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  3. Mastercard Credit Card
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Related Information
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  • Late Payments
  • Mastercard SecureCodeOpens in New Window
  • Money Management Tips
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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.

  • Low Fixed Interest Rate on Purchases and Cash Advances
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit Lines beginning 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 Opens in New Window
Dark gray Blue Flame Credit Union Mastercard
Mastercard
Account Feature Term
Purchase 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 Aug 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 BFCU 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 AccessOpens in New Window, 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 AccessOpens in New Window


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 travelingOpens in New Window. This will help in avoiding unusual activity being considered as fraud.

Report a Lost or Stolen Mastercard

  • Call toll-free: 1-844-583-1060
  • Outside U.S. call: 571-526-3634

Mastercard SecureCode

Mastercard SecureCode logoWhen using your BFCU Mastercard for online purchases, you can have the added peace of mind that your card is being protected against unauthorized use.

Mastercard SecureCode is a private code, established by the member, that must be provided during checkout with participating merchants. Learn more about Mastercard SecureCode.Opens in New Window

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. BFCU 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

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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 SurchargeOpens in New Window

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    Charlotte, NC 28273
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    Charlotte, NC 28273
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Helping you, our member, achieve financial success!
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