Find Out Which Card is Right for You:

 
 
 
 

TOWPATH CU REWARDS CREDIT CARD

Earn Rewards

Spend simply and earn rewards with the TowpathCU Rewards MastercardTM! Earn rewards points or 1.5% cash back on all purchases.1

Special Introductory Offer

As a special introductory offer, when you spend $1,000.00 on your TowpathCU Rewards MastercardTM in the first 60 days, you'll receive 10,000 bonus points or $100.00 cash back!2

Redeem Rewards Points

Redeem your rewards points for cash back into your TowpathCU account or other rewards like gift cards, merchandise, travel, and more!

 
 
 
 

TOWPATH CU CREDIT CARD

Higher Rate Card Balance

Have a large credit card balance with a higher rate? Multiple balances wracking up interest? A Towpath CU Credit MastercardTM is also a great option as a lower-rate card.4

0$ APR on Balance Transfers

Receive an introductory offer of 0% APR on balance transfers for twelve months when you transfer a balance over to your Towpath CU Credit MastercardTM during the first 90 days following the opening of your account. After that, a standard purchase rate of 12.49%-25% APR will apply.3

Build or Rebuild Your Credit

If you need to build or rebuild your credit, the Secured Credit MastercardTM option may be able to help! Unlike most other secured credit cards, this card can grow with you as your credit grows. No need to apply for a new card – the transition to a Credit card is easy!

Towpath CU Credit Cards

Additional Benefits Include:

  • Low Fees
  • No Annual Fee
  • No Over Limit Fee
  • Instant & 24/7 Online Account Access
  • Worldwide Acceptance
  • No increased APR for Cash Advances or Balance Transfers
  • More secure with EMV Chip Enhanced System Technology
  • Make payments online, by mail, or in one of our branches!

1Earn 1.5 rewards points for every $1.00 spent on qualifying purchase transactions. Cash advances and balance transfer transactions are not eligible for rewards points. Rewards points may be redeemed for cash back in the form of a statement credit or a deposit to a TowpathCU account. We reserve the right to determine which transactions qualify for rewards points. To earn rewards points, you must be a cardholder currently in good standing – you must have demonstrated responsible use of your card and must not have had delinquent payments within a specific period. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions apply.

2All new Towpath Credit Union Rewards MastercardTM accounts qualify to receive 10,000 bonus points when you spend $1,000.00 or more on qualifying transactions made on or during the first 60 days the account is open. To earn bonus rewards, each account must remain open, in good standing and not become delinquent. Allow up to two (2) billing cycles for bonus rewards to post to your account. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions apply.

3Special reduced annual percentage rate (APR) is valid on qualifying balance transfers posted during the first 90 days following the opening of your account opening. Transfers from existing TowpathCU accounts do not qualify for the special reduced APR. Special reduced rate is good for twelve (12) months from the first qualifying transaction post date. The introductory annual percentage rate (APR) will return to the individual cardholder’s standard rate upon the completion of the offer cycle. The APR is not valid on purchases or cash advances. A purchase APR of 12.49% - 25.00% APR will apply. A balance transfer fee 3% or $10 whichever is greater applies. A cash advance fee of $10.00 or 5.00% of the amount of each cash advance, whichever is greater may apply. A foreign transaction fee of 1.00% of each transaction in U.S. Dollars may apply. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions apply.

4Rates are based on creditworthiness up to a maximum rate of 25.00% APR. The APR is variable and may change after account opening up to a maximum rate of 25.00% APR. APR is current as of 01/01/2024. Please contact the credit union for the current credit card rates. A balance transfer fee 3% or $10 whichever is greater applies. A cash advance fee of $10.00 or 5.00% of the amount of each cash advance, whichever is greater may apply. A foreign transaction fee of 1.00% of each transaction in U.S. Dollars may apply. You must be a member of Towpath Credit Union to qualify for our credit cards. Credit card applications are subject to approval.