Credit Cards


At Encompass Credit Union, each of our members are special and unique and so are their credit card needs. We've worked hard to ensure that we have a wide variety of credit card options so we can offer you a card that will meet your specific needs.


How can you benefit?

  • Whether you choose a Mastercard® card or a Visa® card, you can be confident that your card is widely accepted whether you're buying groceries, planning a trip or traveling overseas.
  • A credit card provides peace of mind for those times in life that we don't plan for, whether you find yourself stranded away from home with no vehicle, your house needs some unexpected repairs or you're traveling and lose your cash. You can rest easy knowing that you have your credit card to help you through.
  • With many of our credit cards, you can earn points toward travel, merchandise, gift cards, cash and so much more.

Cash Back Mastercard Student Mastercard

Cash Back Mastercard®

Student Mastercard®

For great savings, the Cash Back Mastercard starts with no annual fee. Then it pays you for using it!

Whether you're looking to build credit or simply need a card for convenience and security, the Student Mastercard is the smart choice.

Learn More about the Cash Back Mastercard Learn More about the Student Mastercard
Classic Mastercard Visa Flexrate

Classic Mastercard®

Visa* FlexRate

For simple use and savings, the Classic Mastercard keeps everything easy: a low annual fee, a low interest rate, and basic purchase protection.

With a credit line and interest rate customized to benefit you and a wide-ranging rewards program, the Visa FlexRate card gives you maximum flexibility.

Learn more about the Classic Mastercard Learn More about the Gold Flex Visa
Centra Gold Mastercard Travel Rewards Visa Gold

Centra Gold Mastercard®

Travel Rewards Visa* Gold

The Centra Gold Mastercard gives you a great balance of low rates and rewards possibilities.

The Travel Rewards Visa Gold card is perfect for on-the-go lifestyles with coverage for everything from baggage to emergency health and you'll earn rewards you can redeem for more travel!

Learn More about the Centra Gold Mastercard Learn More about the Travel Rewards Visa Gold


World Mastercard US Dollar Visa

World Mastercard®

US Dollar Visa*

The World Mastercard is your key to earning the elite-level privileges you deserve. You'll be rewarded with unique benefits and exceptional service wherever you go.

The US Dollar Visa card is your ticket to earning the privileges you deserve whenever you go to the United States or shop online with a US company.

Learn More about the World Mastercard Learn More about the US Dollar Visa card

* Lost/Stolen Credit Cards: 1-855-341-4643
* Lost/Stolen Member Card debit card: 1-888-277-1043

* If you require support for a credit card you ordered through Encompass Credit Union prior to August 2018, please call 1-800-561-7849.
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