Routing Number | 255077370

World Mastercard®

Earn points on every purchase that can be redeemed for cash back or exciting rewards.

Apply Now Apply Now - World Mastercard Application Disclosures
Become a Member Become a Member

Double Cash Back Season Is Here

Special bonus intro offer with a new World or Empower Card. Offer ends December 31, 2024.♦

Learn More Learn More - Credit Double

Collect an extra $100 with our special introductory offer.^ See terms and conditions.1

Generous Rewards

Earn unlimited 1.50% cash back and enjoy other rewards like merchandise, travel services, and more.¹

No Annual Fee

Also, zero balance transfer and foreign transaction fees.³

Special Intro Rate

Pay just 1.99%† APR for purchases in first year. After that, 16.24% – 17.99% variable APR applies.*,†

Low rates are a major selling point for our World Card. But it's our generous rewards program - which features cash back, brand-name merchandise, travel services, gifts cards, and more - that can really add some spice to your life.  

  • $100 cash back when you spend $1,000 on purchases within the first three months of account opening.^
  • Low introductory 1.99% APR† on all purchases for the first year; after that, 16.24% – 17.99% variable APR* † applies
  • Redeem points for cash back, merchandise, travel, gifts cards and more with MyTowerRewards.¹ ; you can also use your points to donate to charitable causes like the TowerCares Foundation
  • No annual fee, balance transfer fee, or foreign transaction fee³
  • Credit limits of $5,000 to $30,000*
  • Mastercard® anti-fraud features include Zero Liability Protection for unauthorized purchases, and ID Theft Protection™
  • Safeguard your credit card payments in the event of a tragedy with Loan Payment Protection.
  • Guide to Benefits

Related Resources

Put a powerful rewards card in your pocket

Apply Now

*

Credit Card APR - Annual Percentage Rates effective: 11/21/2024 and are subject to change. Rates and credit lines based on creditworthiness and qualifications.

†

World Card Intro APR – The 1.99% Introductory APR is for 12 months as of account opening. After that, the Standard APR will be 16.24% – 17.99%. The 1.99% APR Introductory offer does not apply to upgraded accounts or accounts with a credit limit increase. Range of Rates effective: 11/21/2024. This APR will vary with the market based on the Prime Rate. Variable Rate World Mastercard: The Annual Percentage Rate(APR) may increase or decrease if the highest rate of interest identified as the 'PrimeRate' in the 'Money Rates' column of the Wall Street Journal increases or decreases. The APR will be equal to the Prime Rate in effect the first business day of the month preceding the rate change plus a margin of 7.74% – 12.74%.The interest rate can change quarterly in the first credit card cycle that occurs in the quarter following the rate change. The APR will never be more than 17.99%. Any increase may lengthen the time it takes to pay off your balance.

^

The Intro Cash Back offer will appear as 10,000 bonus points added to the myTowerRewards account after the 3 month introductory period and can be redeemed for cash back.

¹

For Program Terms and Conditions, please visit myTowerRewards. Minimum $25 to redeem for cash back.

²

Balance Transfer Fee subject to promotional details.

³

Cash Advance Fee of 2.00% (minimum $0.75)