Mastercard® Credit Card – 8.90% APR Non-Variable¹                 

mastercard from Niagara' s Choice FCU
NCFCU Mastercard Credit Card with a low rate
    • No Fees – no annual, balance transfer, cash advance
    • CURewards® – earn points for merchandise and travel awards
    • Convenient Online & Payment access
    • EMV/chip technology and PIN protection for added security

APR= Annual Percentage Rate
Loan application pre-approval is pending final review by an 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®

 What is CURewards?

Reward yourself—you’ve earned it! Our credit cards earn you CURewards points1 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 transactions2), 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 four years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually (e.g., points earned in calendar year one will expire on the last business day of calendar year five).

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 at   or call the Credit Union prior to 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
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: 1-855-710-3055

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.