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Rates

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

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Travel your way into savings! 

Use your MCT Credit Card for Travel purchases and get rewarded

NON-REWARDS Credit Cards:
Use your card for travel purchases 04/15/2022-06/30/2022 and receive 2.99% APR*. This offer is valid for New and Existing MCT Credit Cards.

REWARDS Credit Cards:
Use your card for travel purchases 04/15/2022-06/30/2022 and receive DOUBLE POINTS. This offer is valid for New and Existing MCT Credit Cards.

Travel Purchases include:
Hotel, Airline, Gas, & Rental Car

Ready to Take Charge?

If you already have an MCT Credit Card, you’re reading to start taking advantage of this promotion! Simply use your card for travel purchases and be rewarded.

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 this offer!

Do you have an upcoming vacation planned? We can look at increasing your credit card limit so that you can max out on fun, but not max out your card. Give us a call today! 

 

Non-Rewards:
*APR=Annual Percentage Rate. Earn 2.99% APR on qualified hotel, airline, gas, and rental car purchases made between 04/15/2022 – 06/30/2022. Offer valid for both New and Existing Non- Rewards Credit Cards. Promotional rate will remain for 180 days from the first qualifying transaction. Some exclusions may apply. Please see Credit Union for additional restrictions and details.
Rewards:
Earn double the rewards points when using your Visa Rewards Credit Card on qualifying hotel, airline, gas, and rental car purchases made between 04/15/2022 – 06/30/2022.  Offer valid for both New and Existing Rewards Credit Cards.  Please note that credits posted to the account during the promotional timeframe that have qualified you for the promotion will result in a reduction of points equivalent to the promotional points earned.  Some exclusions apply.  Please see Credit Union for additional restrictions and details.
  • NEW Contactless capability allowing you to "Tap and Go"
  • Special low introductory rate for 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 extending your manufacturer’s warranty up to 1 year
  • Roadside Dispatch
  • Norton LifeLock providing you with tools to act quickly should your identity be threatened
  • Postmates providing 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 8.75%-17.99%** Variable.

*Introductory APR applicable until the first day of the billing cycle that includes the six month anniversary date of the opening of your account. **Your exact rate is based on your credit worthiness. 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 change monthly. The information about the costs of the card described here is accurate as of April 2022. 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 allowing 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: https://www.curewards.com

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).

NOW AVAILABLE

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 additonal 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. The updated site includes:

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

If you are currently using our existing online credit card site, your card information will carry over, and you will not need to register your card again. You will simply continue to choose "Manage Credit Card" in your online banking account to access the new site once it's launched. 

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.