A financial lifeline in your pocket.

There is something to be said for the security and comfort you’ll have knowing you’ve got credit available to you when you need it. Our Platinum Mastercard® comes with a credit limit up to $25,000 and a rate of just 2.99% APR¹ for the first year with rates between 8.15% and 16.15% variable APR¹ after that.

Having a lifeline like this in your wallet will definitely bring you peace of mind.

Low interest rate for 12 months
Credit limits up to $25,000
Financial Freedom: Credit Cards

Understanding credit cards and their power.

Think of a credit card as a multi-tool. On one hand, it’s available credit when you need it for just about anything you need it for. An extra level of support, a backup plan. On the other, it can be used to transfer existing balances and pay them off at a lower rate—saving you money in the long term.

I pay my card off each month. Why does an introductory offer matter?
How will transferring credit card balance(s) save me money?
How will paying more than my minimum balance due each month save me money?

I pay my card off each month. Why does an introductory offer matter?

If you routinely off pay off your card in full each month, consider our Platinum Rewards Mastercard® instead. Use this card for virtually everything—groceries, gas, utilities and any other bills that allow payment by credit card. Then, pay the card in full each month as you’re already doing. But where you will reap enormous benefits here is by quickly accumulating points (or cash back) that you can then use to redeem for items and services you need (or want).

How will transferring credit card balance(s) save me money?

In a nutshell, credit card balance transfers work by moving a balance from a high-rate credit card over to a credit card with a lower interest rate. With credit cards like the Credit Union of New Jersey Platinum Mastercard®, this move has the potential to save you hundreds of dollars.

It’s important to keep in mind that transferring a balance means you’re still carrying a balance. Carrying a monthly balance (even with a low interest rate) means you need to make on-time payments of at least the minimum amount due—if not more. Consumers can take advantage of this to avoid those high-interest charges but need to be aware that the balance still remains.

How will paying more than my minimum balance due each month save me money?

In times of financial stress, paying just the minimum balance due on your card(s) can be tempting. But this practice only causes those high-interest rates to keep your balance growing and makes that minimum payment due each month increase. Instead, pay the highest amount you can afford, even if it’s just $10 more than the minimum.

Although it might not feel like an immediate savings, the amount you end up saving in the long run can be massive.

Earn cash back or rewards points for virtually anything.

If accruing rewards points or getting cash back interests you more, then our Platinum Rewards Mastercard® might be a better fit. It rewards your good spending habits with points on everyday purchases that you can redeem for valuable merchandise. If you’d rather have cash back, that works in your favor, too.

Apply today

Still unsure of which card is right for you? Check out the chart below.

Platinum Platinum Rewards
New Account Special Offer 2.99% intro APR¹ for 12 months on purchases, balance transfers and cash advances 5,000 Bonus Points²
Reward Points N/A 1 point for every dollar spent in purchases
Pricing & Terms
Consumer Agreement
As low as 8.15% to 16.15% APR¹ variable As low as 9.15% to 17.15% APR¹ variable
Credit Limit Up to $25,000 Up to $25,000
Annual Fee $0 $0
Reward Points No
Apple Pay Apple Pay™
Samsung Pay Samsung Pay™
Google Pay Google Pay™
Online Credit Card Controls
Credit Card Alerts
Card Locking
Emergency Card Replacement and Emergency Cash Disbursement
Travel Accident Insurance
Trip Interruption/ Trip Cancellation

What are online Card Controls?

Want up-to-date credit card controls at your fingertips? You can execute the following anti-fraud and security features right from your e-Banking or Mobile Banking Credit Card Controls tab:

  • Turn your credit card on/off in seconds
  • Use GPS to control transactions within a designated location
  • Limit card use to specific merchants or purchases
  • Set credit card spending limits to match your budget
  • Report a lost or stolen card
  • Cancel your credit card

The perfect card for you is just a few clicks away.

Apply today

Introductory rate of 2.99% APR (Annual Percentage Rate) applies to the first 12 billing cycles and is subject to credit approval. Thereafter, APR is 8.15% to 16.15% variable, based on creditworthiness. This rate will vary with the market based on the Prime Rate. Member eligibility required. A five-dollar ($5.00) donation to the CU of NJ Foundation qualifies you for membership if you’re not already eligible through an employer group. Membership deposit of $5.00 is required at all times in Main Share Savings Account.


Subject to credit approval. 5,000 bonus points are received after account opening.

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