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Rate Advantage Credit Card

IU Credit Union Mastercard Rate Advantage Credit Card

Take advantage of the lowest rate credit card we offer!


With Rate Advantage, you will receive our most competitive credit card rates. This card is perfect to use when you typically carry a balance, to avoid high interest rate charges.


Get a 1.99% APR* Introductory Rate on Purchases and Balance Transfers with a New Rate Advantage Credit Card!


*Introductory Rate of 1.99% is applicable on purchases for 12 months from the card open date and on Balance Transfers for 12 months from the first qualified balance transfer completed within 12 months from the card open date. After that, the rate will be between 11.50% - 23.50% on Rate Advantage Cards and will vary with the market based on the Prime Rate. Rate range stated is accurate as of 1/12/2023 and is subject to change at any time. Subject to credit approval.

Get started:


Apply For Rate Advantage Now

 

IU Credit Union Mastercard Rate Advantage Credit Card
Mastercard® Rate Advantage
See full disclosure
APR on Purchases (APR may vary after account is opened)
1.99% Introductory Rate for 12 months from the card open date. After that, the APR wil be 11.50% - 23.50% APR
APR on Balance Transfers (APR may vary after account is opened)
1.99% Introductory Rate for 12 months from the first qualified balance transfer completed within 12 months of the card open date. After that, the APR will be 11.50% - 23.50% APR
Annual Fee
None
Credit Limit
Up to $30,000
APR on Cash Advances (APR may vary after account is opened)
11.50% - 23.50% APR
Credit Life and/or Disability Insurance
Cash Availability through ATMs
Yes
ATM Withdrawal Fee
$.50
Additional Cards for Authorized Users
Free
International Transaction Fee Up to 1.0% of the value of a transaction (in U.S. dollars) originating from a non-U.S. ATM or merchant location.
Card Benefits1
Click here to see the Mastercard Consumer Credit Card Guide to Benefits.
Zero Liability2
Protects you if your card is used for purchases without your permission; for details visit Mastercard.us/zero-liability.html.
24/7 Lost/Stolen Card Replacement
Mastercard Global Service®
Receive 24-hour assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance.
Mastercard ID Theft Protection
Assists you with a number of valuable services if you are the victim of identity theft.
Mastercard Airport Concierge
Arrange for a personal, dedicated Meet & Greet agent to escort you through the airport on departure, arrival or any connecting flights.

1 Certain terms, conditions and exclusions apply to all the benefits listed.
2 Certain restrictions apply. Please see Mastercard.us/zero-liability.html for more details.

All loans subject to approval.

Card Services:

812-855-7823 or
888-855-6928

To activate a card:

(must call from primary phone)
Call 888-691-8661;
Outside U.S. 515-457-2085

To request or change your PIN:

(must call from primary phone)
Call 888-891-2435;
Outside U.S. 812-855-7823