Mastercard® Credit Cards Quorum credit cards come with low APRs, zero balance transfer fees, no annual fees, and access to Mastercard Priceless Events & Offers!

World Mastercard®

Quorum’s World Mastercard elevates your adventures with unmatched perks, while you enjoy the financial benefits of a low APR, no balance transfer fees, and cash rewards.

  • 14.15% – 18.00% APR* 
  • Dreampoints: One point for every dollar spent, towards travel, merchandise, experiences and cash rewards
  • Redemption values: 1.25% on airline tickets and 0.80% – 1.00% on cash rewards
  • Exclusive day passes to luxury resorts with ResortPass
  • Save on rides and earn Lyft credits or drive & save on gas with FuelPoints 
Apply Now
A young lady, wearing a hat and draped in a sun-kissed yellow skirt, gazes upon the splendid locale she has seamlessly journeyed to, courtesy of her Quorum Mastercard.

Cash Back World Mastercard®

Turn everyday purchases into rewards with our cash back credit card–where saving is as simple as spending.

  • 14.15% – 18.00% APR*
  • Earn unlimited cash rewards that don’t expire
  • Redemption values: 1.25% cash back or 1.00% on gift cards for every dollar spent
  • No annual fees or balance transfer fees
  • Enjoy unlimited free two-day shipping with ShopRunner.com
  • Get two months of free delivery with Instacart+ and $10 off your second order each month
Apply Now
A young man on a yellow background, excitedly holds his Quorum Mastercard and cell phone.

RateWise Mastercard®

Say goodbye to fees and hello to savings with our low APR credit card. Our RateWise Mastercard® gives you simplicity and affordability in your wallet.

  • 13.15% – 18.00% APR*
  • No annual fees
  • No balance transfer fees
  • Low cash advance fee with a $25 cap
  • Same APR for purchases, cash advances, and balance transfers
  • Priceless offers by Mastercard
Apply Now
Young woman wearing a hat happily shops with her Quorum RateWise Mastercard.
World Mastercard®
Cash Back World Mastercard®
RateWise Mastercard®

Discover Your Purchasing Advantage When You Shop with a Quorum Mastercard

Access additional Mastercard benefits like Zero Liability, Purchase Assurance, shopping discounts, and more!

Zero Liability icon

Zero Liability

You're not responsible if someone makes unauthorized purchases with your Mastercard. Call (800) MC-ASSIST for details.
Purchase Assurance icon

Purchase Assurance

Most items you purchase are covered if they are damaged within 90 days of purchase. Call (800) MC-ASSIST for details.
Extended Warranty icon

Extended Warranty

Extended Warranty doubles an item’s original warranty up to 24 months. Call (800) MC-ASSIST for details.
Price Protection icon

Price Protection

Reimburses for the difference between the price you paid for an item vs a lower price after. Call (800) MC-ASSIST for details.
Identity Theft icon

Identity Theft

Access ID Theft Resolution Services with a certified specialist. Call (800) MC-ASSIST for details.
Satisfaction Guarantee Icon

Satisfaction Guarantee

Get a full refund for your purchase within 60 days if the store won’t accept returns. Call (800) MC-ASSIST for details.

Travel the World with Mastercard

When you use your Mastercard for all your travel needs, you can take advantage of Mastercard's travel benefits like 24/7 Concierge Services, Mastercard Global Service (emergency card replacement, cash advance, lost/stolen card reporting), Mastercard Airport Concierge, Delayed Baggage Insurance, and so much more. Call (800) MC-ASSIST for more information.

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Mastercard Airport Concierge

Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 450 destinations worldwide.

Woman sitting in airport lobby with lobby, looking in her bag, realizing she forgot something.

Mastercard Global Service™

Mastercard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance.

How to Use Your Mastercard Internationally

Mastercard charges a foreign conversion fee of 1% per transaction.

If you are traveling abroad and plan to use your Mastercard, please notify us by logging into . Click on “More,” then “Card Management” then click on the card you wish to use abroad. Click on “Travel Notice” to add the dates of your travel. Any challenges, let us know at (800) 874-5544, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET.

Please also keep our Cardholder Services number handy for service 24 hours a day, seven days a week, should you experience any interruption in service during your trip:

International Cardholder Services: (727) 299-2449

Domestic Cardholder Services: (888) 918-7313

SET UP A TRAVEL NOTICE IN ONLINE BANKING

Enjoy Low APRs and Zero Balance Transfer Fees with a Quorum Mastercard

By transferring balances from high interest credit cards to one of Quorum’s lower rate Mastercard credit cards, we can help you pay off your balances faster, consolidate your debt into one credit card, and manage your debt more effectively.

A young woman is excited to see how much money she can save by transferring other credit card balances to her Quorum Mastercard. Send Money Yellow Moneybag Yellow

You Can Set up Alerts to Stay on Top of Your Purchases

Would you like to receive a text message or e-mail when your card is used? You can also set alerts for:

  • Purchases over a selected amount
  • International purchases
  • Online purchases
  • Declined purchases

Please note that Mastercard® alerts will only alert you when a transaction is made using your card.

A young woman sets up alerts for her Quorum Mastercard.
Quorum Question Mark 2x

Other Helpful Resources:

Get a Quorum Mastercard Credit Card Today

You must be a Quorum member to apply for a Quorum credit card.

If you’re an existing Quorum member: Log in to your account via online banking or the mobile banking app. Once logged in, select “Open,” then “Credit Card.” Follow the prompts to complete the application. If you don’t know your log in information, call us at (800) 874-5544 from Monday through Friday, between 8:30 a.m. – 7:00 p.m. ET.

Not yet a Quorum member? You must become a Quorum member first in order to apply. Once you’re a member you can follow the steps above to apply for a Quorum Mastercard.

Young man checks his Quorum Mastercard balance online with his cell phone. Manage Money Yellow Gift Surprise

Why Choose Quorum?

Quorum: one of Bankrate's Best Credit Unions of 2024

One of the Best Credit Unions of 2024

Bankrate

CNET Best Of 2024

The Best Credit Unions

CNET

CNN Underscored Best HELOC Lenders 2024

The Best HELOC Lenders

CNN Underscored

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Best Credit Unions

Business Insider

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Best Online Banks, 2024

MarketWatch Guides

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Best Credit Union Savings Accounts

MarketWatch Guides

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Best Overall Credit Union Savings Accounts

CNBC

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Best Credit Union of 2024 for ATM Access

Associated Press

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Best Checking Account for Vast Network

CNBC

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Best HELOC for Investors

Bankrate

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2023 Diamond Award Financial Education

CUNA

Great rates and service.

Great rates and service. I recently opened a high-yield savings account with Quorum. The process was easy, online banking is comprehensive, and the rate and service were fantastic!

panslif12

Great rate!

My family and I have several savings accounts as well as a first mortgage and just opened a savings account with a great rate over 4%. Easy online application. Fully digital experience allows us access whenever we need to 24/7. Nice people Five Stars!

DCG021022

Glad we found Quorum.

Quorum is great. We feel so much more secure with a federal credit union than a commercial bank. Great staff and customer service is always patient and helpful. Rates on interest-bearing accounts are great, too. Website is user-friendly. Info is clear and precise. Glad we found Quorum.

Kathy W.

Member Reviews

CLOSE

Very helpful and professional.

Very helpful and professional.

Ibrahim

I’ve been a member for almost 30 years.

I’ve been a member for almost 30 years. I stay because the customer service professionals are excellent!

Great customer service.

Great customer service.

Barbara R

Excellent customer service.

Excellent customer service. Eddie was excellent.

Glad we found Quorum.

Quorum is great. We feel so much more secure with a federal credit union than a commercial bank. Great staff and customer service is always patient and helpful. Rates on interest-bearing accounts are great, too. Website is user-friendly. Info is clear and precise. Glad we found Quorum.

Kathy W.

I’ve been a member for over 35 years.

I've been a member of Quorum Federal Credit union for over 35 years. I highly recommend to anyone that would like low banking fees, a great banking experience and fantastic customer service.

Laurie D.

Excellent problem solvers.

I've been banking with Quorum for years. They're always very pleasant to interact with and they're excellent problem solvers. Thank you, Quorum. You're the best.

NYCBlkM4WhtM

Lifetime approval from me!

I have had checking and savings accounts for years with Quorum Federal Credit Union and have never had any problems. Therefore, when I needed a mortgage loan, I turned to Quorum. Their staff was a joy to work with. Very professional, informative and attentive to my every question, concern throughout the entire process. Quorum gets my lifetime customer approval from me.

Ruby S.

I conduct all of my banking transactions via the Mobile App.

I conduct all of my banking transactions via the mobile app. I like that I can deposit my checks, and view my account daily balances.

Marla E.

Friendly, helpful and knowledgeable representatives.

New customer. Friendly, helpful and knowledgeable representatives. They answered ALL my questions and stayed on the phone with me through the entire setup and deposit process. I hope the exceptional customer service continues. Based on my experience, so far, I would definitely recommend.

Cynthia M.

Excellence, patience and care.

Shelly's service was of excellence and she walked me through the entire claims process with ease and calmness. I greatly appreciate her customer service skills of excellence, patience and care. Thank you.

Janice J.

OUTSTANDING!

Shelly was nothing short of OUTSTANDING! Big thank you to her and her follow through.

Bob S.

Personable staff who are motivated to bring solutions.

Brand new customer. So far so good. They were able to answer all questions promptly and accurately. Will see how follow-through goes but no complaints, which is a good thing! Personable staff who are motivated to bring solutions.

Vicki P

Highly recommend.

Amazing experience with this company for the past two years. I highly recommend.

Jorgefelix S.

Extremely helpful and knowledgeable.

The Quorum representative was extremely helpful and knowledgeable. I appreciate all she did to resolve my situation.

Carl W.

I so appreciate their time and hard work.

I want to thank Adisa, Debra, Eddie and Ellie for the excellent customer service that they gave me during the past week and a half. It made a difficult experience easier to deal with. The patience, understanding and kindness that they showed me was outstanding. They should be commended on doing their job with such expertise and professionalism. I so appreciate their time and hard work.

Mary F.

They do NOT disappoint.

Quorum has been my primary bank for over 5 years where they do NOT disappoint. Not only do they offer the best interest rates with the HighQ Savings and term CDs, they are prompt to provide answers to any questions that you may have regarding transactions with a detailed explanation of both benefits and minimum balances as well as other options to avoid fees. I encourage others to use these benefits and services offered.

Sonja M.

Friendly, knowledgeable, efficient.

Service member was friendly, knowledgeable, efficient and solved my problem quickly.

Marianne M.

Love my Credit Union.

Great experience today! We even got disconnected and she called me back after my issue was solved! Love my Credit Union.

Allison W.

Excellent customer service.

Excellent customer service. Very kind, courteous, pleasant and patient!

Vince D.

Quorum is the BOMB!

Quorum Federal Credit Union is the BOMB! Best customer service, helpful & assists with any concerns. I've banked at conventional "brick mortar" banks for 50 years. The extra benefits, better rates and customer service are by far SUPERIOR to any bank anywhere. Look them up, compare as I did then sign up. They are truly the real deal.

Gary H.

Just a wonderful credit union.

Just a wonderful credit union. Very knowledgeable people with kindness and professionalism. I’m an older gentleman, you can always call and speak with a human voice, it doesn’t have to be done on the computer. It’s a wonderful organization. If you’re looking for a credit union that offers great CD rates, great customer service, and most of all is very professional, I would recommend them to anyone that is looking for those qualities and some of the highest CD rates in the country. Quorum Federal Credit Union is all five star - first class, in my opinion.

Kin F.

Great experience being a member.

Quorum is a great credit union. The staff are always so helpful, friendly, and very patient. Great experience being a member.

Carla F.

Polite, professional, helpful.

Polite, professional, helpful. What customer service should be.

Penny W.

A safe place to put your money.

This is a safe place to put your money. They have very proactive fraud prevention systems that I am impressed with. Recently, I moved a large amount of money that is going towards the purchase of a car and my account not only required a code, but I received a phone call within a half hour of my transaction from one of their professionals, Savannah. She politely quizzed me, and from every angle may I say, to establish that it was indeed me who was working within my account. The savings and CD rates are great also and, their website works like clockwork. Thank you, Quorum, for being the best!

LS B.

CD and high-yield savings rates are excellent.

CD and high-yield savings rates are excellent. Decent service for an online only bank.

Celtics

Refreshing.

I was amazed at the simplicity and speed at which things were handled today. Not something you see every day in business anymore. So refreshing.

Livin Curiously

Great rates and service.

Great rates and service. I recently opened a high-yield savings account with Quorum. The process was easy, online banking is comprehensive, and the rate and service were fantastic!

panslif12

Knowledgeable and friendly.

Bonnie was both knowledgeable and friendly. My issue was corrected immediately.

Catherine C.

This Credit Union quickly became my bank!

This credit union quickly became my bank! What started with a low-interest first mortgage refinance has turned into a first mortgage, two credit cards, a high yield savings account, fee free checking account and a checking reserve account. I pay all my bills via the online bill payment and even send physical checks from my online checking account to the landscaper and others. Member support is beyond expectation and the mobile app is robust and user friendly. Great work Quorum!

mhudson

Great rates.

I've been a member of Quorum for many years. They almost always have great deposit rates and the app is super easy too!

Tbe

Very helpful and attentive.

I have been a member of Quorum for many years. They have always been helpful and very attentive. I highly recommend Quorum for financial business.

Herminia M.

Mobile deposits went perfectly.

I was very apprehensive about doing a mobile deposit. I'm still a fan of brick and mortar but that's no longer an option. I spoke to a wonderful woman named Shelley who was just amazing with patience. She informed me of a few banking options. Everything went perfectly as she walked me through the process that I chose.

B Renee B.

Very easy to navigate across the board.

Very easy to navigate across the board, making banking from home a no-effort issue.

7 reasons to smile

Our mortgage was a breeze!

Extremely professional team, our mortgage was a breeze with all the support from Mirella and Brandi. Highly recommended!

Erika V.

Tremendously patient and helpful.

Quorum customer service was tremendously patient and helpful today. I'd phoned with two problems, which were successfully addressed with a combination of patience and professionalism.

Richard B.

I was THRILLED to be able to do mobile deposits.

Since I need to use mail to deposit checks, I was THRILLED to be able to do mobile deposits. This app works better for deposits than either of the other two bank apps I use.

Kim N.

Love everything about them.

Have been a member for 15 years and love everything about them: have a HighQ account, QClassic checking and a mortgage with them, too.

Sharon C.

Have been a faithful and delighted customer.

I joined Quorum in 1998 and have been a faithful, and delighted customer since. Any issue I have experienced has always been handled with respect, knowledge and follow-through. Can't give them enough high praise. Today I was contacted by Quorum so they could personally update me on a specific change in their policy that may affect me. What other company takes the time and consideration to do that? I don't know of any other. Adisa was the Quorum representative who contacted me. Her approachability and the fact that she consistently asked if I was comfortable in giving answers to the requests for information from me made me feel safe and comfortable. Any business who employs someone of Adisa's caliber is worthy of all my banking business! Thank you, Quorum... you guys really are The Best!

Kathy C

Always friendly and courteous.

Always friendly and courteous. Great job by the Quorum team. Great to do business with them.

Bill J.

Go with a credit union-and this is a good one.

Really nice group here; they actually work with you, much like a community bank. They are also fast and efficient.If you are tired of being gouged by the Big and Ugly banks, you should go with a credit union--and this is a good one.

Heidi K.

Great rate!

My family and I have several savings accounts as well as a first mortgage and just opened a savings account with a great rate over 4%. Easy online application. Fully digital experience allows us access whenever we need to 24/7. Nice people Five Stars!

DCG021022

Very good service and rates.

Very good service and rates.

Stan L.

View all reviews

Join an online community geared towards helping your financial well-being through top-tier financial tools, competitive rates, and award-winning customer resources. Become a member today and find out why Quorum is consistently selected as one of the top credit unions in the country.

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Frequently Asked Questions

What services are provided under the Personal Identity Theft Resolution Services?

Here are some of the FREE services you can take advantage of:

  • Concierge Level Certified Restoration specialist who works autonomously on your behalf to process necessary documentation and dispute resolutions.
  • Limited Power of Attorney (LPOA) to represent you during an identity theft event.
  • Multiple Tri-Bureau credit reports pulled at no cost to you to help ensure a complete resolution of the identity theft event and restoration of your identity.
  • Assistance from a Specialist with cancelling your credit/debit card(s), membership cards, affinity cards and more in the event that identity theft has occurred.
  • Ongoing communication with Specialist about the most current status of your fraud investigation until the identity theft situation is successfully resolved to a pre-victim status.
  • Access to a Specialist who disputes with the consumer reporting agencies on your behalf to ensure that no fraudulent information negatively affects his or her consumer report information or history.

How do I find out more about my Mastercard Rewards Program?

From Fuel Rewards, Dream Point Rewards, Shop Runner and more, check out the perks and extras you’ll enjoy by having a Quorum Mastercard in your wallet (digital or leather!) Learn More.

What does Zero Liability protection mean?

You don’t have to worry when you use Quorum Debit Mastercard because, like all MasterCard cards, it’s covered by Zero Liability protection whether you pay in a store, over the phone or online. As a cardholder, you’re not responsible in the event that someone makes unauthorized purchases with your card. Pay only for purchases which you have authorized on your card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply.

What is Mastercard's Global Service

MasterCard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance.

Call MasterCard Global Service immediately to report your card lost or stolen and to cancel the account. If you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can receive a temporary card the next day in the United States, and within two business days almost everywhere else. Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions on your account. In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309. When out-of-country and in need of assistance, you can easily reach a specially trained MasterCard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language. You can call toll-free from over 80 countries worldwide.

For additional information, or for country-specific, toll-free telephone numbers not listed above, visit www.mastercard.com or call the United States collect at 1-636-722-7111.

Account Information and Card Benefits: When in the United States, contact your card issuer directly for account information and 1-800-MC-ASSIST for card benefits. When traveling outside the U.S., call MasterCard Global Service to access your card issuer for account information or to access any of your card benefits.

What is Mastercard's Airport Concierge?

With Mastercard Airport Concierge, you can arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 450 destinations worldwide 24/7/365. There are also certain airports where you can even be expedited through the security and/ or the immigration process.

To reserve MasterCard Airport Concierge services in advance and to take advantage of the 15% savings, visit www.mastercard.com/airportconcierge for reservations, pricing or additional information. Visit www.mastercard.com regularly for program updates and to learn about special promotional travel offers designed for Quorum debit card cardholders. Or, for more information on these travel benefits, call the number on the back of your Quorum debit card.

To view your Mastercard Guide to Benefits, click here.

How do I file a claim for the Satisfaction Guarantee benefit?

Call 1-800-MC-ASSIST to request a claim form.

  • You must report the claim within sixty (60) days of the date of purchase and be prepared to submit the following documentation within one hundred and eighty (180) days of the date you report the claim:
  • Completed and signed claim form.
  • Receipt showing the purchased item(s).
  • Statement showing the purchased item(s).
  • Itemized purchase receipt(s).
  • Written documentation from the store manager or equivalent on store letterhead documenting the refusal to accept the returned item.
  • A copy of the store’s return policy.
  • Any other documentation that may be reasonably requested by us or our administrator to validate a claim.

You must send the item to us or our administrator before any claim will be paid. Item must be returned in its original packaging along with the original owner’s manuals and warranty information. You are responsible for all mailing or shipping costs to us or our administrator. Items sent to us or our administrator will not be returned to you.

Why was my debit/credit card purchase declined?

If your debit/credit card purchase is declined, please contact our Member Service Team at (800) 654-7728, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET. 

Ready to Apply for a Quorum Mastercard

Apply Now

Disclosures

*Rates in effect as of 10/01/2023, are based on the Prime Rate, and subject to change. Rates are subject to semi-annual credit review and may be adjusted if your credit rating changes. The maximum interest rate will never exceed the rate permitted under the Federal Credit Union Act (currently, this maximum is 18.00%). Click here to view our credit card disclosures. If your rate increases, additional payments will be required. There is no monthly service charge.Note: Features and benefits above are summary descriptions only. Additional terms, conditions, and exclusions apply. To be eligible for a free ShopRunner membership, you must be a valid World cardholder who holds a Mastercard issued by a U.S. financial institution. To be eligible for the 10% onefinestay discount, you must be a valid World cardholder who holds a Mastercard issued by a U.S. financial institution. Click here to view the Mastercard Benefits Guides for each credit card.