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Credit Cards

We’ve made membership even more rewarding: earn travel and merchandise just by using your MasterCard® Platinum Rewards Credit Card.

At Texas Bay Credit Union, we know what great value is. That’s why we’re offering a valuable travel and merchandise program exclusively to our members with a great card. Platinum Rewards is the most flexible rewards program available. When you use your credit card, you can earn (1) one (1) point for every dollar you spend on purchases. The more you spend, the more points you earn, and the greater your reward. It’s that simple!

Financial Calculators


Get the credit card you deserve with a low rate and loaded with these benefits:

  • 0% APR* – 6 month Introductory Balance Transfer Rate**
  • No annual Fee
  • Earn 1 point for every $1 purchase with the uChoose Rewards Program
  • Redeem your points for travel or merchandise
  • Easy balance transfers & cash advances
  • Travel accident coverage
  • Extended warranty protection
  • 24-hour fraud protection
  • Access cash at ATMs worldwide
  • MasterCard SecureCode makes it even safer to shop online. With your SecureCode card number, no one can use your credit card online without your personal password. Once you activate your card, simply shop like normal – and your MasterCard card number is automatically recognized at checkout. When you submit an order at a participating online store, the MasterCard SecureCode window will appear. Simply enter your password, click submit, and you’re done. To enroll, click here.
  • Chip Technology
  • Click here to learn more about MasterCard Benefits
  • Click here for more Reward Point information
  • Click here to view and print the MasterCard Platinum Rewards Credit Card Rate & Fee Disclosure.
  • Click here if you plan to use your credit card outside the U.S.A.

Effective March 23, 2014 you no longer earn reward points for debit card transactions. Your earned points on debit card transactions will still be available for redemption and subject to point expiration as detailed in the Rewards program rules. Effective April 1, 2015, all Texas Bay credit cards earn 1 point for every $1 spent on credit card purchases. If you do not have a Texas Bay credit card and want to earning reward points for your credit card, Click Here To Apply Today!

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*APR means Annual Percentage Rate. Risk Based Pricing Notice: The Annual Percentage Rates (APR) quoted “as low as” depending upon the applicants individual credit history. Rates quoted are based on approved credit. Your APR may be higher based on your credit information obtained from consumer credit reporting agencies Texas Bay Credit Union uses. Rates and terms are subject to change without notice. Credit card changes require 45 days advance notice. Must be 21 or older, or have a parent or guardian as a co-signer. Transfer fees and other restrictions may apply.
**The 0% APR Introductory Rate is good for the first 6-Months. After then, your rate will change to the rate based on your credit at the time of approval.