Start Spending Smarter This School Year with a 6.90% Intro APR¹
With a Raiz Mastercard® Credit Card, you can lower your interest while effortlessly managing your purchases. After the introductory period, benefit from a variable APR ranging from 9.15% to 17.90%², crafted to help you save more over time.
Key Features
Fraud Protection
Protect your account and personal information from threats with fraud protection included with each Platinum Mastercard®.
Online Banking Access
Manage your account from anywhere using your computer or mobile device with convenient online banking tools.
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.
Competitive Rates
Save on interest and keep more cash for what matters — books, travel, and everyday essentials.
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1
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Apply online in just minutes
Fill out our simple online application form quickly and easily.
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Receive instant feedback
Get immediate updates on your application status.
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Use Your New Credit Card
Make purchases with your brand-new Platinum Mastercard® Credit Card.
What Our Members Say
As a member since the 80’s, I can say Raiz is a bank we can trust, they don’t charge for services that other banks do, everybody is attentive, friendly and knowledgeable.
Set up a new account. Moved here 4 months ago, the process was easy, well explained, no pressure, and excellent one-on-one service. Highly recommend.
Was very pleased with the professional service we received.
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 manage your payments with competitive interest rates that help keep costs down.
Why Choose Raiz?
Where Your Money Grows
You put in the effort – your money should too. With high-dividend checking, competitive loan rates, and strong savings and retirement options, our innovative products are designed to help you get more out of every dollar.
24/7 Access and Support
Your money never sleeps, and neither do we. Raiz members have 24/7 access to digital banking and an online support chat available to help with all your banking needs.
Free Online Courses
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.
Community Dedication
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.
Keep Your Information Safe and Secure
Protect your account from online threats with the help of our card management tool available through digital banking, no additional sign-up needed.
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You can manage your payments by registering your credit card in Online Banking. For all available payment methods, see the Make a Loan Payment page.
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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.)
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We do not charge over-the-limit fees. However, if you are over the limit on your credit card, the transaction will be declined.
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Balance transfer fee is $2.00 or 2% of the amount for each balance transfer, whichever is greater. (Maximum fee: $30.00)
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For unauthorized or incorrect credit card transactions, please call 1-844-583-1059, option 2.
Enjoy More Purchasing Flexibility Without the Cost
Get a Platinum Mastercard® Credit Card that offers competitive rates, no annual fees, and top-notch security to help you make daily purchases without the stress.
1 APR = Annual Percentage Rate
2 Introductory rate of 6.90% APR is valid for six billing cycles on new purchases, after that your APR will be between 9.15% and 17.90% based on your creditworthiness. This offer is for new credit card accounts only. All loans are subject to credit approval. Not all applicants may qualify.
Application and Solicitation Disclosure
More Features
Online Application
It’s easy to apply for your Platinum Mastercard® Credit Card with a quick online application.
Competitive Interest Rate
It’s easy to pay off your monthly balance with our competitive interest rates compared to other credit card options.
Booking.com
Grab a great deal on cabins, hotels, apartments, villas and more on Booking.com/mastercardUS and save up to 7% more when you use your eligible Mastercard. Whether you’re seeing a new corner of the world or visiting family out of town, you can unlock savings for all your nights away from home. All bookings are subject to availability and Booking.com's terms and conditions. Additional eligibility restrictions, exclusions, and terms apply. Valid through 9/30/2025.
MoviePass
Join MoviePass with your eligible Standard Mastercard® and save 50% on your first two months when you subscribe to a Standard or Premium plan. It's like a cinematic passport that makes it easier to stay on top of the latest movies. For full terms, see moviepass.com/mastercard. Valid through 1/31/26.
Mastercard Music and Entertainment Access
Eligible Mastercard credit cardholders will receive a minimum of 24-hour pre-sale access and eligible World Elite Mastercard credit cardholders will have access to preferred ticketing at select venues and festivals available through priceless.com or through a Priceless Platform implementation. Valid through 3/31/27
Priceless Experiences
Offers Mastercard cardholders the opportunity to engage in exclusive, once-in-a-lifetime experiences with the people they love in the cities where they live and travel
Mastercard Golf
Provides access to TPC Network Clubs, domestic and international golf travel packages, golf schools and much more. World and World Elite cardholders can secure tee times through the Hidden Network of private courses and enjoy Honorary Observer and Pro-Am positions at select PGA TOUR events.
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