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Mastercard® Credit Card – 8.90% APR Non-Variable¹ 

1 APR Annual Percentage Rate Loan application pre-approval is pending final review by a Niagara’s Choice Federal Credit Union representative.

Already a Niagara’s Choice Mastercard Member?

Mastercard holders can log in to website to register for online account access, with online access you will be able to:

  • Register for account text messages or emails
  • View payment history
  • Make payments
  • Report lost or stolen card
  • Enroll in eStatements
  • Have access 24/7 to your account

Reward yourself every time you use your Mastercard®

  • Reward yourself—you’ve earned it! Our credit cards earn you CURewards points that you can turn into free airfare, premium merchandise, cash back, and more.
  • For every $1 you spend on credit card purchases or every $2 in Visa Debit card purchases (signature/”credit”-based transactions), you earn one CURewards point. So insert/swipe your card and get rewarded!
  • Earning Points is Easy!
  • For every dollar you charge at a participating retailer or in the CURewards Mall, you earn a point towards a valuable award. The more points you earn, the greater your reward.
  • Points will expire three years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (i.e., points earned in calendar year one will expire on the last business day of calendar year four.)
  • Choose From Hundreds of Awards
  • From exotic travel destinations including airline tickets, lodging, and car rentals to high-end electronics, quality housewares to the latest fitness equipment, there’s an award just for you.
  • Visit, download the CURewards mobile app, or call 1-800-637-7728 for more details.


Traveling away from home? If you are traveling, consider completing our travel notification form and faxing it to the Credit Union or call the Credit Union before departure to inform us of your travel plans. The following information will be helpful to our fraud investigators in the event of suspicious activity:

  • Itinerary dates
  • Destination
  • Contact phone number


Contact Numbers for Mastercard cardholders:

  • Activation: 1-800-631-3197
  • PIN Now: 1-888-886-0083
  • Customer Service: 1-866-820-2965
  • Disputes: 1-888-918-7322
  • Lost/Stolen: 1-800-449-7728
  • Lost/Stolen Outside US: 1-727-299-2449
  • CU Rewards Redemption: 1-800-637-7728


*Members need to call the lost/stolen number to file any disputes or fraud claims.
If the card is lost/stolen, it can only be replaced by the 800#.

NCFCU Debit Card information:
Activation: 1-866-985-2273
PIN Now: 1-866-985-2273
Customer Service: 1-855-710-3055
Lost/Stolen: 1-855-710-3055

*Members need to call the lost/stolen number to file any disputes or fraud claims.

**PLEASE NOTE: Effective April 1st, 2021 NCFCU Debit cards can no longer be used for vehicle rentals.

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