Credit Cards
EARN AND SAVE MORE
Use Apple Pay®, Samsung Pay®, or Google Pay® to make payments using your mobile device with your Towpath CU Debit or Credit Cards
Mobile wallets are quick and convenient and help to prevent fraud
Mobile wallets not your thing? Just use your card!
Tap your Towpath CU Debit or Credit Card at contactless-enabled payment terminals to make payments without contact!
Freeze and control your cards in our new mobile app!
Find Out Which Card is Right for You:
TOWPATH CU REWARDS CREDIT CARD
Spend simply and earn rewards with the TowpathCU Rewards MastercardTM! Earn rewards points or 1.5% cash back on all purchases.1
As a special introductory offer, when you spend $1,000.00 on your TowpathCU Rewards MastercardTM in the first 60 days, you'll receive 10,000 bonus points or $100.00 cash back!2
Redeem your rewards points for cash back into your TowpathCU account or other rewards like gift cards, merchandise, travel, and more!
TOWPATH CU CREDIT CARD
Have a large credit card balance with a higher rate? Multiple balances racking up interest? A Towpath CU Credit MastercardTM is also a great option as a lower-rate card.4
Receive an introductory offer of 0% APR on balance transfers for twelve months when you transfer a balance over to your Towpath CU Credit MastercardTM during the first 90 days following the opening of your account. After that, a standard purchase rate of 11.49%-25.00% APR will apply.3
If you need to build or rebuild your credit, the Secured Credit MastercardTM option may be able to help! Unlike most other secured credit cards, this card can grow with you as your credit grows. Once you build credit, there is no need to apply for a new card or open a new account on your credit report. The transition to a Towpath CU Credit or TowpathCU Rewards card is easy with responsible card use and credit union approval.
Additional Benefits Include:
- Low Fees
- No Annual Fee
- No Over Limit Fee
- Instant & 24/7 Online Account Access
- Worldwide Acceptance
- No increased APR for Cash Advances or Balance Transfers
- More secure with EMV Chip Enhanced System Technology
- Make payments online, by mail, or in one of our branches!
Looking for a Credit Limit Increase?
Current cardholder looking for an increase to your credit limit? Apply online today!
Animations are added to cards for marketing and promotion purposes only. Cards do not include decorative elements.
1Earn 1.5 rewards points for every $1.00 spent on qualifying purchase transactions. Cash advances and balance transfer transactions are not eligible for rewards points. Rewards points may be redeemed for cash back in the form of a statement credit or a deposit to a TowpathCU account. We reserve the right to determine which transactions qualify for rewards points. To earn rewards points, you must be a cardholder currently in good standing – you must have demonstrated responsible use of your card and must not have had delinquent payments within a specific period. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions apply.
2All new Towpath Credit Union Rewards MastercardTM accounts qualify to receive 10,000 bonus points when you spend $1,000.00 or more on qualifying transactions made on or during the first 60 days the account is open. To earn bonus rewards, each account must remain open, in good standing and not become delinquent. Allow up to two (2) billing cycles for bonus rewards to post to your account. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions apply.
3Special reduced annual percentage rate (APR) is valid on qualifying balance transfers posted during the first 90 days following the opening of your account opening. Transfers from existing TowpathCU accounts do not qualify for the special reduced APR. Special reduced rate is good for twelve (12) months from the first qualifying transaction post date. The introductory annual percentage rate (APR) will return to the individual cardholder’s standard rate upon the completion of the offer cycle. The APR is not valid on purchases or cash advances. A purchase APR of 11.49% - 25.00% APR will apply. A balance transfer fee 3% or $10 whichever is greater applies. A cash advance fee of $10.00 or 5.00% of the amount of each cash advance, whichever is greater may apply. A foreign transaction fee of 1.00% of each transaction in U.S. Dollars may apply. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions apply.
4Rates are based on creditworthiness up to a maximum rate of 25.00% APR. The APR is variable and may change after account opening up to a maximum rate of 25.00% APR. APR is current as of 01/07/2025. Please contact the credit union for the current credit card rates. A balance transfer fee 3% or $10 whichever is greater applies. A cash advance fee of $10.00 or 5.00% of the amount of each cash advance, whichever is greater may apply. A foreign transaction fee of 1.00% of each transaction in U.S. Dollars may apply. You must be a member of Towpath Credit Union to qualify for our credit cards. Credit card applications are subject to approval.
5Special reduced annual percentage rate (APR) is valid on qualifying credit card transactions posted on or between April 1, 2025, and May 31, 2025, and is good for six months from the first qualifying transaction postdate. The promotional annual percentage rate (APR) will return to the individual cardholder’s standard rate upon the completion of the offer cycle. Eligible categories include home improvement, home supply, lumber and building materials, glass, paint and wallpaper, and hardware stores, as determined by merchant category codes. Purchases made at merchants that do not process transactions under the eligible merchant category codes will not qualify for the special reduced annual percentage rate. The APR is not valid on balance transfers or cash advances. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions apply. Towpath Credit Union reserves the right to modify or terminate this promotion at any time.
6From April 1, 2025, to May 31, 2025, Towpath Credit Union Rewards Credit Cardholders can earn 5% cash back on eligible purchases made at qualifying home improvement stores. Eligible categories include home improvement, home supply, lumber and building materials, glass, paint and wallpaper, and hardware stores, as determined by merchant category codes. Cash back is limited to a maximum of $750, which is earned on up to $15,000 in qualifying purchases. Purchases made at merchants that do not process transactions under the eligible merchant category codes will not qualify for the 5% cash back. Cash advances and balance transfer transactions are not eligible for rewards points. Transactions made using third-party payment accounts, mobile wallets, or at non-qualifying merchants may not be eligible for bonus cash back. All other qualifying purchases earn the standard 1.5% cash back during the promotional period. To earn rewards points, you must be a cardholder currently in good standing – you must have demonstrated responsible use of your card and must not have had delinquent payments within a specific period. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions apply. Towpath Credit Union reserves the right to modify or terminate this promotion at any time.
1Earn 1.5 rewards points for every $1.00 spent on qualifying purchase transactions. Cash advances and balance transfer transactions are not eligible for rewards points. Rewards points may be redeemed for cash back in the form of a statement credit or a deposit to a TowpathCU account. We reserve the right to determine which transactions qualify for rewards points. To earn rewards points, you must be a cardholder currently in good standing – you must have demonstrated responsible use of your card and must not have had delinquent payments within a specific period. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions apply.
2All new Towpath Credit Union Rewards MastercardTM accounts qualify to receive 10,000 bonus points when you spend $1,000.00 or more on qualifying transactions made on or during the first 60 days the account is open. To earn bonus rewards, each account must remain open, in good standing and not become delinquent. Allow up to two (2) billing cycles for bonus rewards to post to your account. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions apply.
3Special reduced annual percentage rate (APR) is valid on qualifying balance transfers posted during the first 90 days following the opening of your account opening. Transfers from existing TowpathCU accounts do not qualify for the special reduced APR. Special reduced rate is good for twelve (12) months from the first qualifying transaction post date. The introductory annual percentage rate (APR) will return to the individual cardholder’s standard rate upon the completion of the offer cycle. The APR is not valid on purchases or cash advances. A purchase APR of 11.49% - 25.00% APR will apply. A balance transfer fee 3% or $10 whichever is greater applies. A cash advance fee of $10.00 or 5.00% of the amount of each cash advance, whichever is greater may apply. A foreign transaction fee of 1.00% of each transaction in U.S. Dollars may apply. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions apply.
4Rates are based on creditworthiness up to a maximum rate of 25.00% APR. The APR is variable and may change after account opening up to a maximum rate of 25.00% APR. APR is current as of 01/07/2025. Please contact the credit union for the current credit card rates. A balance transfer fee 3% or $10 whichever is greater applies. A cash advance fee of $10.00 or 5.00% of the amount of each cash advance, whichever is greater may apply. A foreign transaction fee of 1.00% of each transaction in U.S. Dollars may apply. You must be a member of Towpath Credit Union to qualify for our credit cards. Credit card applications are subject to approval.
5Special reduced annual percentage rate (APR) is valid on qualifying credit card transactions posted on or between April 1, 2025, and May 31, 2025, and is good for six months from the first qualifying transaction postdate. The promotional annual percentage rate (APR) will return to the individual cardholder’s standard rate upon the completion of the offer cycle. Eligible categories include home improvement, home supply, lumber and building materials, glass, paint and wallpaper, and hardware stores, as determined by merchant category codes. Purchases made at merchants that do not process transactions under the eligible merchant category codes will not qualify for the special reduced annual percentage rate. The APR is not valid on balance transfers or cash advances. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions apply. Towpath Credit Union reserves the right to modify or terminate this promotion at any time.
6From April 1, 2025, to May 31, 2025, Towpath Credit Union Rewards Credit Cardholders can earn 5% cash back on eligible purchases made at qualifying home improvement stores. Eligible categories include home improvement, home supply, lumber and building materials, glass, paint and wallpaper, and hardware stores, as determined by merchant category codes. Cash back is limited to a maximum of $750, which is earned on up to $15,000 in qualifying purchases. Purchases made at merchants that do not process transactions under the eligible merchant category codes will not qualify for the 5% cash back. Cash advances and balance transfer transactions are not eligible for rewards points. Transactions made using third-party payment accounts, mobile wallets, or at non-qualifying merchants may not be eligible for bonus cash back. All other qualifying purchases earn the standard 1.5% cash back during the promotional period. To earn rewards points, you must be a cardholder currently in good standing – you must have demonstrated responsible use of your card and must not have had delinquent payments within a specific period. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions apply. Towpath Credit Union reserves the right to modify or terminate this promotion at any time.