Credit Cards

Explore your Remarkable possibilities with
a Cinfed Mastercard

Need help choosing the Cinfed Mastercard® that's right for you? We're here to help.


Rewards points towards merchandise, gift cards, and travel

The Cinfed Platinum Mastercard makes it easy and convenient to earn rewards1. You receive the same low rates for purchases, balance transfers, and cash advances.
Additional benefits include:

Special offer for qualified new account holders: when you open a new Cinfed Platinum Mastercard, you get an introductory rate of 1.99% APR5 for your first six months on both purchases and balance transfers. Get off to a great start with a great rate!


1.50% cash back on purchases

The Cinfed World Mastercard makes it easy and convenient to earn 1.50% cash back on purchases. You also receive the same low rates for balance transfers and cash advances. Additional benefits include:

Special offer for new account holders: get a great start with a special bonus! When you open a new Cinfed World Mastercard, you can earn $150 in statement credit if you spend $5,000 or more in your first 90 days!6


Build your credit score with a Secured Card4

When you need to build your credit score, a Cinfed Secured Mastercard can be your answer. Our secured cards offer quick approval.4 Additional benefits include:


Small Business Owners Build your Business

The Cinfed Mastercard BusinessCard allows you to focus on operating your business. Plus, when you make purchases with your Cinfed Mastercard BusinessCard, get special offers on products including:


Hitting the road soon? Add a travel notice to your Cinfed World Mastercard® or Cinfed Platinum Mastercard®
in Cinfed Digital Banking under the Card Management widget.

Stay Secure and Connected
Shop with confidence and peace of mind.

Digital Wallet

Make purchases securely from your device with just one tap - in store, in apps, or online.

Debt Protection

Takes care of you and your loved ones by canceling your credit card payments in the event of death, disability or involuntary unemployment.

Lock Your Mastercard

Lost or misplaced your card? Temporarily lock
your card to
prevent unauthorized transactions
from occurring.

Need to report your card lost or stolen? Contact us

Mastercard® ID Theft Protection™2

Did you know that the FTC reported 3.2 million cases of fraud in the U.S. in 2019?*

Your Cinfed Mastercard® comes with Mastercard ID Theft Protection to better safeguard you against possible identity theft and bring you security and peace of mind.2

Activate Now ►

Learn with Us
Tips and tools to help you reach your financial goals.



Helping You Choose the Correct Credit Card
Some steps to ensure that you match the right
credit card to your needs. Get started


Credit Scores & Reports
The benefits and risks of credit cards and how credit
card use influences your credit score. Get started ►

Get the answers you're looking for.

Give us a call at 513-333-3800.


1Certain terms, conditions and exclusions apply. See Guide to Benefits for complete coverage terms and conditions or call 1-800-MASTERCARD for assistance. Applicable to U.S. Cardholders only. Credit Card rate determined at account opening based on credit worthiness. After that, your rates will vary with the market based on the Prime Rate. Annual fee may apply based on credit history.
2To bring you this benefit, Mastercard has partnered with Generali Global Assistance, Inc., an industry leader in identity protection and fraud detection. Valid for the Cinfed Platinum Mastercard®, Cinfed World Mastercard®, and the Cinfed Mastercard® BusinessCard. Mastercard, the Mastercard Brand Mark and Priceless are registered trademarks and Mastercard ID Theft Protection is a trademark of Mastercard International Incorporated. ©2020 Mastercard.
3ShopRunner membership subject to approval; terms and conditions apply.
4Applicant must be age 18 or older and cannot have had any previous losses with Cinfed. Applicant cannot be in active bankruptcy. Subject to deposit of card limit (minimum $300) + 10% into savings account. Credit card rate determined at account opening based on credit worthiness. Afterwards, rate will vary with the market based on the prime rate. Annual fee of $25 will apply for credit scores of 650 or lower. Certain terms, conditions and exclusions apply. Contact Cinfed for complete coverage terms and conditions or call 1-800-MASTERCARD for assistance. Applicable to U.S. Cardholders only. Credit Card rate determined at account opening based on credit worthiness. After that, your rates will vary with the market based on the Prime Rate. Annual fees may apply based on credit history.
APR = Annual Percentage Rate. Rate discount offer of 1.99% for six months only valid for credit scores 650 and above; additional qualifications may apply; subject to final credit approval. Rate will be in effect for a period of six months from the activation date on purchases and balance transfers; credit card contractual rate will apply thereafter. Balance transfers cannot exceed credit limit. Minimum transfer amount: $100.00.

6 Additional qualifications may apply; subject to final credit approval. Bonus credited for the first $5,000 only: new World Mastercard accounts with $5,000 or more in purchases within 90 days of card activation. Offer pertains to purchases only: balance transfers, cash advances, statement or convenience checks, returns, finance charges, fees, and foreign transaction currency conversions do not qualify.


Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
— Johnnie Bush
I met Emily Snyder because I had a flat tire in the parking lot of Cinfed Credit Union. I didn’t know what to do and she offered to help me. It was late in the evening and I didn’t think anyone... 
— Cindy Hyatt
Emily Snyder took care of setting up a consolidation loan for me on Saturday. She was very friendly, professional, and explained very articulately all the steps involved. Emily also opened a new... 
— Sally A Arbogast
I recently closed for a car loan and a credit card with Susan Z. Her service was excellent. We closed in a couple of days. She was so helpful with her knowledge. It was a pleasure to deal with her.
— Glenda Adkins
I cannot say enough good things about the service I have always received from Cinfed! Most recently, we refinanced a vehicle and dealt with Emily S.! She was quickly responsive and on top of her... 
— Serena Kain
I can say a million great things about Cinfed Credit Union and how they helped me over the years ,But there are many helpful service members, but one Great lady Is Mrs Susan Z. She is an Awesome... 
I have to say I think the new online banking update is pretty awesome. I love that the app is more up to date, clean and user friendly. Happy to be a customer with Cinfed.
— Kyle Neises
I have member with Cinfed for 24 years. The customer service is beyond great. Everything from daily banking to loan services. I recently purchased my daughter a car and originally it was going to be... 
— Tira Williams

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