MasterCards

Classic & Gold MasterCards

Capitol View offers two valuable types of MasterCards. Our Classic MasterCard offers an attractive low interest rate, is straight forward, and easy to manage. Our Gold MasterCard offers our lowest rate plus cash back rewards, however it requires a minimum annual income. Use the chart below to determine which option is best for you!

“I am very happy with the services available, especially the Gold MasterCard, which was one of the main reasons I decided to join.”
Capitol View Member
Capitol View Member

Classic MasterCard

Gold MasterCardBlackEMVCard

13.00% Variable APR

9.00% Variable APR

No Annual Fee No Annual Fee
Free Online Management Tools Free Online Management Tools
 – 1% Cash Back on first $5k/month
Requires Annual Income of $30k or higher
See Terms & Conditions Below See Terms & Conditions Below
Apply Now Apply Now

 

Rates are as of September 19, 2017 and are subject to change. APR = Annual Percentage Rate.

All rates listed are our best rates and may vary based on creditworthiness and other factors. Capitol View uses TransUnion for credit reporting information.

To view a copy of your credit report visit www.annualcreditreport.com

MasterCard Alerts

Setup free alerts for transactions that meet various conditions including card-not-present, large purchase amount, declined transactions, and international transactions. Click here to setup alerts for your Capitol View MasterCard.

MasterCard Overdraft Protection

If you have a Capitol View MasterCard you can enroll to have a cash advance made to prevent your account from becoming overdrawn. Cash advance fees may apply. View our MasterCard terms & conditions, here.

To enroll in MasterCard Overdraft Protection, complete our Overdraft Protection form.

Ways to Make a Payment

There are several convenient ways you are able to make a payment to your Capitol View MasterCard:

Home Banking Transfer Easily transfer funds in Home Banking to the MasterCard “Sweep” account. These payments are sent each business day to your MasterCard account.
Mail a Payment Payments can be mailed to:

MasterCard
PO Box 9147
Des Moines, IA 50306-9147

Pay by Phone Contact MasterCard Services to pay over the phone:
800-234-5354
MyCard Info Tool Setup advanced payment options using the MyCard Info tool, which is accessible through Home Banking.
Contact Capitol View Contact a teller at Capitol View

Request a Limit Increase

Current cardholders may request a limit increase by completing this online form, here. Members will also need to attach or fax updated copies of pay-stubs for income verification.

Online Tools

MyCard Info
MyCard Info is Capitol View’s free online credit card management tool. Members can access it within Home Banking by selecting their credit card on the main balances page.
With MyCard Info, members can view and download activity, recent statements, setup automatic payments, and notify us of upcoming travel (so our fraud monitoring system doesn’t block you).

Click here for additional on all of our online and mobile tools.

MasterPass
MasterPass (by MasterCard) offers cardholders a free way to more conveniently and more securely make purchases online. MasterPass allows you to load multiple debit/credit cards securely onto your profile and skip entering tedious fields during online purchases. Learn more about this great, free security feature at www.masterpass.com.

About EMV

Screen Shot 2016-04-26 at 8.56.52 AM

EMV ‘chip’ cards offer an embedded microchip, which offers powerful new security. This chip holds information that is encrypted, making it extremely difficult for the card to be copied or counterfeited. Rather than swiping your card, chip cards are inserted and held in a chip-enabled terminal to complete your transaction, this allows the terminal to communicate with the microchip.

Capitol View’s MasterCards also offer touch-free technology. This is possible because of a hidden antenna which will allow for touch-free transactions at touch-free terminals. Touchfree GraphicTouch-free transactions allow you to hold your card above the terminal sensor to complete the transaction. Touch-free technology is designed to add convenience by speeding up frequent, low-risk transactions.

Disclosures

Terms & Conditions

Interest Rates and Interest Charges
Annual Percentage Rate For Purchases, Balance Transfers, and Cash Advances (APR) 9.00% with Gold MasterCard when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
13.00% with Classic MasterCard when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases Your due date is as least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using credit, visit the Consumer Financial Protection Bureau’s web site at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
 

  • None
  • 3% of the amount of the cash advance
  • 1% of each transaction in U.S. dollars
Penalty Fees

  • Late Payment – Up to $15
  • Return Payment – Up to $25
 

  • Up to $15
  • Up to $25
Other Fees

  • Card Replacement Fee
 

  • $5 per replacement card

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

The information about the costs of the card described above is accurate as of May 7, 2017.