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

Enjoy two free months of Instacart Express² with your Credit Union of New Jersey Mastercard®

Avoid the grocery store lines and keep a financial lifeline in your pocket with our Platinum Mastercard®. Dice, simmer and grill hand-selected groceries from local stores with two free months² of Instacart Express when you register using your Credit Union of New Jersey Mastercard®.

With your refrigerator stocked, you’ll also have the security and comfort of available credit 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.

Following the Instacart introductory period, you’ll automatically be enrolled into an annual membership with your card billed $99 per year¹.

InstaCart logo

How can I claim this offer?

If you already have a CU of NJ Mastercard®:

New Express members can elect to use their Mastercard® card when signing up for an Express subscription. Follow these simple steps to take advantage of this offer.

  • Go to www.instacart.com/mastercard
  • Click "Get Started" to create your account
  • Once logged in, click the green "Redeem Offer" button on the page
  • Next, input your Mastercard® credit card, debit card, or prepaid card information (Mastercard® HSA and FSA cards will not be accepted)
  • Once you fill out the required information, click Start membership to begin your Instacart Express membership

Don't have a CU of NJ Mastercard® or not yet a member?

What are you waiting for?

Apply today

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.

Points
I pay my card off each month. Why does an introductory offer matter?
Transfer
How will transferring credit card balance(s) save me money?
Responsibility
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 Points³
Reward Points N/A 1 point for every dollar spent in purchases
Rate
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™
Credit Card Alerts
Card Locking
Emergency Card Replacement and Emergency Cash Disbursement
Travel Accident Insurance
Disclosure
Trip Interruption/ Trip Cancellation
Disclosure

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

Apply today
¹

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.

²

Terms and Conditions By clicking "start membership" for this Instacart Express membership promotion (redeemable between October 1, 2020 to September 30, 2021 11:59pm PT), you agree to the Instacart Express terms the Instacart Terms of Service and Privacy Policy and you will receive a 2 months membership. After 2 months, your Instacart Express membership will automatically convert to an annual plan and $99 will be automatically charged to your default, active and registered Mastercard® on file with your Instacart account at the time of conversion. At any time prior to the end of the 2 months, if you do not want to be enrolled into an annual membership, you can change this default by clicking "Change my plan" on the Instacart Express page. You can cancel your Instacart Express membership at any time by clicking "Cancel membership" on the Instacart Express page. With Instacart Express, the delivery fee will not be charged on orders over $35 per retailer; delivery subject to availability. Fees, taxes, and/or tips may still apply. INSTACART® and the Instacart carrot logo are trademarks of Maplebear Inc., d/b/a Instacart, 50 Beale Street, Suite 600, San Francisco, CA 94105.

³

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

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