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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 Interest Rate on Purchases and Cash Advances
  • No Annual Fee
  • No Cash Advance Fee
  • Credit Lines beginning at $500.00
  • Manage your account online
  • 25-Day Grace Period on purchases
  • ATM access for emergency cash advances
  • Secured Mastercards available to establish or rebuild credit
  • View the Mastercard Consumer Credit Card Agreement

  

Effective Nov 13, 2017
MasterCard
APR* on Purchases 9.90%
APR* on Cash Advance 9.90%
Annual Fee None
Late Payment Fee $10
Over the Credit Limit Fee $10
Grace Period 25 Days
Delinquent Account APR* 16.00%
Finance Charges will apply to unpaid balances and are computed based on Average Daily Balance.
*APR = Annual Percentage Rate.


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 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

CardValet App

The CardValet 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 toll-free: 1-844-583-1060

Travel Notifications

When you plan to use your credit card while traveling it is important that you notify us. This will help in avoiding unusual activity being considered as fraud. You may complete an online Travel Notification.

Report a Lost or Stolen Mastercard

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

Mastercard Secure Code

When 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. Click to learn more.

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

Scam & Fraud Awareness - Learn More

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

Click to view short video on cards with EMV Chips