Choose the Credit Card That Works for Your Needs
Get a Platinum Mastercard® that will give you low rates and no annual fees to keep more money in your checking account.
Overview
A credit card should help you with your finances, not diminish them. With a Platinum Mastercard® Credit Card from Raiz, you can enjoy an affordable credit card option with low rates, no annual fee, and plenty of included security features to keep your money accessible and safe.
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Features
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No Annual Fee
Many credit cards charge annual fees, but not a Platinum Mastercard®. Keep more money in your account and spend less on fees.
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Fraud Protection
Protect your account and personal information from threats with fraud protection included with each Platinum Mastercard®.
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Low Interest Rates
Platinum Mastercard® Credit Cards have a lower rate than most other credit card options, so it's easier to pay off your balance each month.
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Online Banking Access
Manage your account from anywhere using your computer or mobile device with convenient online banking tools.
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And more
Rates
See today's ratesAPR1
Leave More Money in Your Pocket
Your credit card should make life more affordable, not take money out of your wallet. It's easy to make your payments with lower interest rates compared to other credit cards.
Keep Your Information Safe and Secure
Protect your account from online threats with the help of our card management tool available through digital banking, no additional sign-up needed.
Life is Too Short to Spend at the Checkout Stand
No more rummaging for the right card in your wallet, swiping, or inserting into a chip reader. With a simple tap of your phone, you can complete your transactions faster. Digital Wallet is compatible with Apple Pay, Google Pay, and Samsung Pay, meaning most mobile devices can make faster payments with our app.
Why Choose Raiz?
Our financial experts are some of the best, but really our motivation is you. Here is what we are doing today to reach a brighter tomorrow.
We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.
Your money never sleeps, and neither do we. Raiz members have 24/7 access to digital banking and an online support chat available to help with all your banking needs.
We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.
Start your financial journey today.
Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.
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1
Complete the Online Application
The online application takes only minutes to complete
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2
Get Approved
Find out if you're approved, often within minutes.
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3
Use Your New Credit Card
Make purchases with your brand-new Platinum Mastercard® Credit Card
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The easiest way to manage your payments is to register your credit card information within Digital Banking.
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Report your Raiz Mastercard Credit Card lost or stolen by calling 915-843-8328 during business hours or the 24-hour cardholder service at 1-844-583-1059 (toll free) or 571-526-3646 (outside of the U.S.)
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We do not charge over-the-limit fees. However, if you are over the limit on your credit card, the transaction will be declined.
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Balance transfer fee is $2.00 or 2% of the amount for each balance transfer, whichever is greater. (Maximum fee: $30.00)
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For unauthorized or incorrect credit card transactions, please call 1-844-583-1059, option 2.
Have a question?
We’re happy to help you every step of the way!
Chat with us
Start live chatChat live with a team member who can quickly help answer your question.
Meet with us
Schedule an appointmentSchedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.
Enjoy More Purchasing Flexibility Without the Cost
Get a Platinum Mastercard® Credit Card that offers low rates, no annual fees, and top-notch security to help you make daily purchases without the stress.
¹APR = Annual Percentage Rate. ⁴Introductory rate of 6.90% APR is valid for purchases and balance transfers for the first six billing cycles. After this promotional period, your annual percentage rate will be 9.15% to 17.90% based on your creditworthiness. This offer is for new credit card accounts only. No annual fee. Balance transfer fee is $2.00 or 2% of the amount of each balance transfer, whichever is greater, maximum fee – $30.00. All loans subject to credit approval. Not all applicants may qualify.
More Features
No Annual Fee
Never pay an annual fee just for using your card, helping you save more money.
Online Application
It’s easy to apply for your Platinum Mastercard® Credit Card with a quick online application.
Fraud Protection
Enjoy all the features of the CardValet® app to protect your account and personal information.
Low Interest Rate
It’s easy to pay off your monthly balance with low interest rates compared to other credit card options.
Online Banking Access
Manage your account from anywhere with easy-to-use online banking tools.
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