Encompass Credit Cards
At Encompass Credit Union, we know each member is unique and so are your credit card needs. That’s why we offer a wide variety of credit card options. From cards loaded with exclusive benefits, to no-fee and cash back, find the card that’s right for you.

Cash Back Mastercard
Cash Back Mastercard
This card pays you for using it. Earn cash back with every purchase and no annual fee.

Classic Mastercard
Classic Mastercard
The Classic Mastercard keeps everything easy: a low annual fee and low interest rate.

Centra Gold Mastercard
Centra Gold Mastercard
This card offers a great combination of low rates and exclusive rewards.

Travel Rewards Visa Gold
Travel Rewards Visa Gold
Perfect for on-the-go travelers, this card offers travel rewards and coverage.

World Mastercard
World Mastercard
The World Mastercard is your key to earning the elite-level privileges you deserve.

US Dollar Visa
US Dollar Visa
Earn privileges whenever you go to the United States or shop online with a US company.
Meet Aura Loyalty, the member card with benefits.
If you don't have a credit card, but want the flexibility of online purchases, Aura is here to help. The card is issued instantly within the Aura app so you don't need to wait for your physical plastic before starting to spend. Simply load your virtual card onto Apple Pay, Samsung Pay, Google Pay or Fitbit Pay and start to spend.
Limited Time Offer - 3.9% Balance Transfer

Balance Transfer 3.9%
Receive a special 3.9% Balance Transfer promo rate for 6 months when you transfer balances to any of your consumer or business cards, except the US Dollar card.

No Transfer fees!
This offer is available from February 1, 2022 and expires on December 31, 2022.
Here's how you can take advantage of this offer:
- Log on to MyCardInfo
- Select Account Services, then Balance Transfer
- Follow the prompts to initiate your balance transfer
Encompass credit card!
Lost/Stolen Member Card debit card: Call 1-888-277-1043