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Give your budget extra elbow room. Our Visa® Platinum credit card earns reward points with every purchase.

Key Features

  • Competitive Rates
  • Reward Points
  • Anytime Funds
  • No Annual Fees


Celebrating 70 Years with a "Far Out" Balance Transfer Rate!

Don't let credit card debt scare you, let us help you take back control!

Balance Transfer to MCT and Receive 2.70% APR*

Benefits of a credit card balance transfer:
• Get out of debt faster
• Spend less money in the long-term to pay off debt
• Consolidate high-interest debt
• TIP: Use a card with a balance transfer promotion to help pay off debt even more quickly! 

Transfer your balances by March 31st, 2023 and receive 2.70% APR* for 180 days with no balance transfer fees. This offer is valid for New and Existing MCT Credit Cards. Both our Non-Rewards and Rewards Credit Card programs can benefit from this offer. Rate remains in place for 180 days from each balance consolidation transaction. 

Ready to Take Charge?

Already have an MCT Credit Card? To process your balance transfer(s), simply log into your Online Credit Card Account. If you've never accessed your Online Credit Card Account, the link can be found by logging into your Online Banking, clicking on your Credit Card tile, then clicking "Manage Credit Card". Once inside your Online Credit Card Account, you'll click "Balance Transfer" tile at the right side of the page. Need help? Give us a call at 409-727-1446!

If you don’t have a Credit Card with MCT, apply online at the link above, call us at 409-727-1446, or stop by one of our five branch locations to take advantage of our balance transfer promotion!

Did you go a little overboard on gifts for the holidays?
Don’t worry - We can look at increasing your credit card limit so that you aren’t maxed out. Give us a call today! 




*APR = Annual Percentage Rate. Promotional rate of 2.70% valid on only Balance Consolidation transactions made between 01/01/2023 – 03/31/2023 using your Visa Non-Rewards or Visa Rewards Credit Card. Balance Consolidation Transaction(s) must post during the promotional period in order to qualify. Promotional rate good for 180 days from each qualifying transaction. Your APR will revert back to the standard rate disclosed in your credit card agreement at the end of the promotional period. Offer valid for both New and Existing credit card holders. No minimum amount required. Some exclusions apply. Please see Credit Union for additional restrictions and details.
  • NEW Contactless capability allows you to "Tap and Go"
  • Special low introductory rate for the first 6 months
  • Credit limits of $500 and up
  • No annual fees
  • No balance transfer fees
  • No cash advance fees
  • No Domestic transaction fees
  • Rewards option
  • 24-hour toll-free customer service
  • Zero liability for unauthorized use
  • Must be 18 years old for an individual account 

Additional credit card Benefits include:

  • Porch Piracy Protection guarding against the theft of eligible items
  • Travel & Emergency Assistance Services
  • Travel Accident Insurance
  • Extended Warranty Protection extends your manufacturer’s warranty up to 1 year
  • Roadside Dispatch
  • Norton LifeLock provides you with tools to act quickly should your identity be threatened
  • Postmates provides you with a complimentary delivery fee credit when you use your MCT Visa credit card

Effective February 1, 2021, your MCT Visa Credit Card will no longer provide Auto Rental Collision Damage Waiver. All other card benefits will remain in place. To download descriptions of your card benefits, please click the link below or call 409-727-1446 to request a copy by mail.

Get Full Benefits Details HERE!

Transaction Fees:

Foreign Transaction: 1% of each transaction in U.S. dollars

If Intro APR applies: 3.90% for 6 months* After that, your APR will be 12.75%-17.99%** Variable.

*Introductory APR applicable until the first day of the billing cycle includes the six-month anniversary date of the opening of your account. **Your exact rate is based on your creditworthiness. Ask a loan officer about the rate you qualify for. The periodic rate used to compute the FINANCIAL CHARGE for purchases is based on an index (the "Index"), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to the change monthly. The information about the costs of the card described here is accurate as of January 2023. This information may change after that date. To find out what may have changed, call 1-800-846-1751 or write to MCT Credit Union at 2736 Nall Street, Port Neches, TX 77651.

Your credit union card is your passport to exhilarating travel opportunities, select merchandise, and more!

Best of all – you choose how to reward yourself!

  • Redeem your points for merchandise or gift cards
  • Travel and/or Experience Redemptions
  • Cash Redemptions allow a deposit to your MCT Account or apply as a payment to your card
  • Shop through the CU Rewards Mall and earn EXTRA points at select stores

Members earn 1 point for every net dollar ($1) spent using their Visa Platinum card. Points are retained for up to 3 years to allow you to save up for special redemptions.

Want to check it out for yourself? You can preview the program at:

To add the rewards option to your MCT credit card, talk to an MCT representative by calling 409-727-1446 or 800-846-1751 or visit your local branch.

Adding the rewards program to your credit card may change your annual percentage rate (APR).


Our MCT Cards app allows you to:

  • Make Payments & View Payment History
  • View Balance, Due Date, Minimum Due, and Credit Available
  • View Transaction History
  • Dispute Transactions
  • Set Transaction Alerts and Controls
  • Submit Travel Notifications
  • Report Card Lost or Stolen
  • Turn the Card On/Off
  • Manage Multiple MCT Credit Cards in One Place - Including Debit Cards!

Access certain functions and get enrollment tips HERE!

View additional tips HERE!

A better, more responsive website experience is here!

We're excited to bring you a new credit card website, where you'll enjoy an optimized user experience on any device - desktop, tablet, or mobile device. The updated site includes:

  • A new look
  • A simplified experience
  • Improved navigation
  • Better viewing from your mobile or tablet devices

To access the online credit card website, simply choose "Manage Credit Card" in your online banking account.

The new site will match the look, feel, and features of our "MCT Cards" app. 

Not using the "MCT Cards" app yet? Download it today in the App Store or the Google Play Store to enjoy the same convenient account management experience from the palm of your hands.