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Platinum Mastercard® Credit Card

Choose the Credit Card That Works for Your Needs

Get a Platinum Mastercard® that will give you low rates and no annual fees to keep more money in your checking account.



A credit card should help you with your finances, not diminish them. With a Platinum Mastercard® Credit Card from Raiz, you can enjoy an affordable credit card option with low rates, no annual fee, and plenty of included security features to keep your money accessible and safe.


No Annual Fee

Many credit cards charge annual fees, but not a Platinum Mastercard®. Keep more money in your account and spend less on fees.

Fraud Protection

Protect your account and personal information from threats with fraud protection included with each Platinum Mastercard®.

Low Interest Rates

Platinum Mastercard® Credit Cards have a lower rate than most other credit card options, so it's easier to pay off your balance each month.

Online Banking Access

Manage your account from anywhere using your computer or mobile device with convenient online banking tools.

And more

Low Interest Rate

Leave More Money in Your Pocket

Your credit card should make life more affordable, not take money out of your wallet. It's easy to make your payments with lower interest rates compared to other credit cards.

Fraud Prevention

Keep Your Information Safe and Secure

With a Platinum Mastercard® Credit Card, you'll automatically get access to the CardValet® app which helps protect your account from online threats.

Digital Wallet

Life is Too Short to Spend at the Checkout Stand

No more rummaging for the right card in your wallet, swiping, or inserting into a chip reader. With a simple tap of your phone, you can complete your transactions faster. Digital Wallet is compatible with Apple Pay, Google Pay, and Samsung Pay, meaning most mobile devices can make faster payments with our app.

Why Choose Raiz?

Our financial experts are some of the best, but really our motivation is you. Here is what we are doing to today to reach a brighter tomorrow.


We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.


Your money never sleeps, and neither do we. Raiz members have access to their digital banking 24/7 and online support chat to help with all your banking needs.


We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.

Start your financial journey today.

Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.

How It Works

Want to enjoy the benefits of a Platinum Mastercard® for yourself? Get your own credit card in three easy steps:

  • 1

    Complete the Online Application

    The online application takes only minutes to complete

  • 2

    Get Approved

    Find out if you're approved, often within minutes.

  • 3

    Use Your New Credit Card

    Make purchases with your brand-new Platinum Mastercard® Credit Card

Apply online now

Top Platinum Mastercard® Credit Card Questions

  • The easiest way to manage your payments is to register your credit card information within Online Banking.

  • Report your Raiz Mastercard Credit Card lost or stolen by calling 915-843-8328 during business hours or the 24-hour cardholder service at 1-844-583-1059 (toll free) or 571-526-3646 (outside of the U.S.)

  • We do not charge over-the-limit fees. However, if you are over the limit on your credit card, the transaction will be declined.

  • Balance transfer fee is $2.00 or 2% of the amount for each balance transfer, whichever is greater. (Maximum fee: $30.00)

  • For unauthorized or incorrect credit card transactions, please call 1-844-583-1059, option 2.

Have a question?

We’re happy to help you every step of the way!

Chat with us

Start live chat

Chat live with a team member who can quickly help answer your question.

Call us


Give us a call directly; we’re here to help you every step of the way.

Meet with us

Schedule an appointment

Schedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.

Platinum Mastercard® Credit Card

Enjoy More Purchasing Flexibility Without the Cost

Get a Platinum Mastercard® Credit Card that offers low rates, no annual fees, and top-notch security to help you make daily purchases without the stress.

  • 1

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