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Rewards MasterCard

Rewards MasterCard®

With the Rewards MasterCard, in addition to generous rewards and cash back, enjoy low credit union rates and no annual fee!


With our state-of-the art rewards and cash back program, you'll earn 1 points for every $1 spent, plus benefits galore, including:
  • 0% Intro APR* for 6 billing cycles on all purchases and balance transfers
  • No annual fee
  • 2,500 bonus rewards points for your 1st balance transfer of $500+.
  • 1,000 bonus rewards points for your 1st purchase.
  • 2% Balance transfer fee
  • Over 6 million reward options to choose from, including electronics, travel, concerts, home furnishings, and more.
    • Unlike other cards, pay no additional fees to redeem rewards points.
    • No blackout dates or restrictions on airline ticket points redemption.
    • Purchase additional points needed to complete redemption for a specific item.
    • Over 10,000 rewards available for 1,000 points or less.
    • New items added daily.
    • Browse rewards catalog
  • Apply Now

Added Benefits

Plus, you'll automatically receive:
  • Manage Your Card - Real-time, online, at
  • Travel Assistance - for emergencies while traveling like medical or emergency cash.
  • Master Road Assistance - roadside assistance while traveling in any of the 50 states.
  • MasterCard Global Assistance - provides worldwide, 24-hour assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance.
  • Extended Warranty - may double the manufacturer original warranty.
  • Purchase Assistance - for items purchased with your Island Rewards MasterCard that are stolen or damaged within 90 days of purchase.
  • Satisfaction Guarantee Coverage - for items purchased with your Island Rewards MasterCard, for yourself or to give as a gift, if the merchant refuses to take the item back within 60 days card absolutely free.

Register your card with MasterCard SecureCode for additional security on your credit.

Apply Now | Find a branch | Call (800) 848-5654, option 4
Terms & Conditions
*APR = Annual Percentage Rate. Offers subject to change. Introductory APR for 6 billing cycles based on your creditworthiness. Rewards MasterCard will adjust to 10.9% - 16.9% APR based on your credit worthiness. This APR will vary with market based on the Wall Street Journal Prime Rate. No Annual Fee. Balance transfer fee 2%; minimum transfer $500.