Credit Cards

No matter where your adventure takes you, our Mastercard Credit Card give you everything you need for purchasing power.


No annual fee

2% cash back on all purchases

Lower fees

Balance transfers at same interest rate

Cash advances at same interest rate

Use worldwide where Mastercard is accepted

Mastercard Zero liability** protection against unauthorized purchases

Price protection for most purchases within 60 days. If there is a lower price advertised for your purchase, you can receive the difference between the price you paid and the lower price advertised.

Extended warranties double most manufacturer warranties for up to one additional year.

Satisfaction guarantee for qualified purchases within 60 days. If you become dissatisfied with a product you purchased and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250.

**See Mastercard for details.

Before applying, be sure to review our important credit card disclosures.

Apply Now >


Turn your Explorers CU Credit Card on and/or off if your card becomes lost or stolen with the Explorers CU Mobile App


  • To report a lost or stolen card during business hours, call 605.665.4309 or 800.491.4309.
  • After business hours, call: 833.933.1681
  • To dispute fraudulent debit/credit card transactions, call 866.279.1399 M-F 8am – 8pm EST
  • Debit/Credit Call Center Support, call 501.246.8497 Available 24/7
  • Card Activation & Pin Change, call 833.998.4569


You can choose to receive alerts when your debit or credit card is used for purchases over a specified amount, online transactions, purchases outside the United States, and more. You can even customize the purchase amount threshold—for example, setting it to only receive alerts for purchases above $50.

To set up your Activity Alerts, ensure your Explorers CU app has been updated through Apple or Google Play, then:

  1. Logon to the app
  2. Select Enable Push Notifications
  3. Select Edit Alert Settings
  4. Select which card you want to modify
  5. Select Enable Activity Alerts
  6. Repeat these same steps for each card you want protected


Credit CardAPR
Mastercard Credit Card15.50%Apply now


Annual Fee$0
Balance Transfer$5
Cash Advance$5
Foreign Transaction1.00%
Late Payment$10 or less
Returned Payment$20
Explorers CU Card Replacement$10

See our credit card disclosures.


A healthy credit score is a key to a successful financial future.  If you are looking for a safe way to build or rebuild your credit score, our Secured Credit Cards are a great option for you.

    • Excellent opportunity to build or rebuild credit history
    • Flexible credit lines based on a security deposit
    • Low annual fee

Apply Now >


Credit and debit card fraud occurs through a variety of channels. Here are a few things you can do to protect your information:

  • Carry only the cards you need.
  • Cover your hand when entering your PIN.
  • Check for skimmers on ATMS or gas pumps before inserting your card.
  • Be cautious when using your card for online shopping or gaming. Make sure the site is secure and legitimate.
  • Don’t save card information in your web browser.
  • Never give your card information over the phone. Unless you initiated the call and trust the company.
  • Never leave the tip or total line on a signed receipt blank. These may be changed after you signed the receipt.

All fees and Annual Percentage Rates (APR) are declared by The Board of Directors of  Explorers Credit Union and are subject to change anytime. The APR will vary with the market based on Prime Rate. With approved credit.