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MASTERCARD CREDIT CARDS
The right card for you
Because You Are Enuff, we’re bringing members like you the things you need, without the stuff you don’t. That’s why we offer a range of credit cards designed for any stage of the journey—all with zero upkeep fees, the latest safety features, and easy on-the-go management through our digital banking app. Whether you’re looking to build credit, cover expenses, or cash-in reward points, orsa credit union has the perfect Mastercard® for you!
Credit Card Options
Our credit card options
Our credit cards are designed to help take you from dreaming to doing—no matter what that looks like. From cards built around points and perks to our no-fuss, non-variable rate option, we’ve got something that everyone can swipe.
Limited Time Bonus
Extra points, where you want!
From tech upgrades and wardrobe updates to back-to-school essentials, you get to choose where you earn extra from July 1 to September 30. Platinum Rewards, World, and Business Mastercard® holders can pick two of the following three categories to earn bonus points in!
- Department stores
- Electronic stores
- Bookstores
Platinum Mastercard® holders, don’t worry. You can earn a statement credit for your spending in all three!
orsaWatch™: Subscription Manager
Take back control of your subscriptions—free in digital banking!
Spot monthly subscriptions. Collect them all in one place. And even cancel what you don’t want right from digital banking. No extra apps. No extra subscriptions. All free for orsa members!
Credit Card Rewards
Ready for rewards?
orsa Platinum Rewards and World Mastercard® holders earn points with every single purchase made, and there’s plenty to choose from when it’s time to put that total to work! From scoring cash back and premium gift cards to getting travel perks or making charitable contributions, we made sure that there’s plenty of power in every single reward point.
Cards and Community
Turn your points into impact!
At orsa, beauty isn’t just plastic deep. Because of our not-for-profit commitment to both our members and our Michigan communities, we make it easy for you to give back if you want to. Simply choose to send your collected credit card rewards points to one of these great local charities!
Strengthening communities across Michigan
the orsa foundation builds on our legacy of giving by working to tackle Michigan’s largest barrier to economic prosperity: housing affordability. Alongside our grant partners, we’re funding what makes housing attainable for more Michiganders—all while strengthening our workforce and fostering community mobility.
Strengthening communities across Michigan
the orsa foundation builds on our legacy of giving by working to tackle Michigan’s largest barrier to economic prosperity: housing affordability. Alongside our grant partners, we’re funding what makes housing attainable for more Michiganders—all while strengthening our workforce and fostering community mobility.
Mastercard Digital Banking
Do more, digitally
No worries if you can’t make it to a branch. Our card services can come with you anywhere!
Manage spending
We all want to know exactly where our money is going. Track your transactions and budget your spending with our digital banking app, even when you’re waiting in the checkout line!
Digital wallet
Link your card right to your phone’s digital wallet and save yourself some extra pocket space! Your orsa card can connect to any of the major contactless payment options—so you’re covered and ready to go mobile!
Track your credit score
Pay on time, put yourself ahead, and get an easy look at where your work is getting you. After all, it’s a lot easier to go for the high score when you know where you’re at!
Tap to Pay
Tap to pay for a faster, safer checkout! Just hold your orsa Mastercard® near a contactless terminal—no swiping, no inserting, no hassle. Secure, simple, and perfect for on-the-go.
Digital card issuance
If you have a new or replacement card on the way but just can’t stand the wait, we’ll get you set up with a digital version that you can start swiping a whole lot sooner.
Buy Now, Pay Later
Turn online and in-store purchases into easier-to-handle installment plans, helping you save money on interest and increasing cashflow.
Frequently Asked Questions
Credit Card FAQ
If you have any further questions, give our Care Center a call at (877) 937-2328 or stop by one of our branch locations!
Yes! Both the orsa Platinum Mastercard® and Platinum Rewards Mastercard® are available as secured credit cards. They are a great tool for building or restoring credit, and they offer many of the same great features found on our other cards!
To apply for a secured credit card, apply online or visit one of our branch locations.
Yep—and it’s easy, just apply online! Select “Limit Increase” on the following page to start your application process.
Yes! To increase your daily credit limit, simply call our Care Center at (877) 937-2328 or stop by one of our branch locations.
To update your PIN, please call (888) 886-0083 from your primary phone number.
Please call our Care Center at (877) 937-2328 or stop by one of our branch locations. One of our team members will walk you through the next steps.
Yes please! You can prevent service interruptions during your trip by logging into digital banking or calling our Care Center before you go at (877) 937-2328.
To switch credit cards, please call our Care Center at (877) 937-2328 or stop by one of our branch locations.
Other Products
Like a bear hug for your financial wellbeing. We’re here for you every day.
The big stuff, done better. From checking that puts you back in control of your cash... to loans that fit your life, let’s make your Impossible Dreams happen.
Fraud Alerts
We’re dedicated to keeping our members and their money protected, so all orsa Mastercard® debit and credit cards are automatically enrolled in receiving fraud alerts.
If we need to contact you, we will NEVER ask for personal, account, or card information. This includes card numbers, PINs, security codes, login information, etc. Please do not give this information out to anyone.
Trust your gut. If you’re ever unsure about a phone call, please hang up and call us directly at (877) 937-2328 to ensure that you’re speaking with a real orsa team member. Avoid clicking on links in text messages and emails if you do not recognize the sender’s information.
Disclosures
View the orsa Mastercard® Credit Card Rate Disclosure.View the orsa Mastercard® Cardholder Agreement.Platinum Mastercard Credit card holders can earn a statement credit for purchases made at department stores, electronic stores, and book stores made between July 1-September 30, 2026. Limit one statement credit per qualifying cardholder. $15 statement credit for $500 in qualifying spending. $25 statement credit for $750 in qualifying spending. $35 statement credit for $1250 in qualifying spending. Statement credit will be on the cardholder's monthly statement and applied by November 2026. Platinum Rewards Mastercard Credit card holders can earn additional points for purchases made at department stores, electronic stores, or book stores made between July 1-September 30, 2026. Qualifying department store, electronic store, and book store purchases will receive 4X points with a cap of $1250 spending or 5,000 points. Once cap is met, member will earn normal 1X points. Members will see their additional earned points within 1-3 business days of transaction through digital banking. World Mastercard Credit card holders can earn additional points for purchases made at department stores, electronic stores, or book stores made between July 1-September 30, 2026. Qualifying department store, electronic store, and book store purchases will receive 5X points with a cap of $1500 spending or 7,500 points. Once cap is met, member will earn normal points. Members will see their additional earned points within 1-3 business days of transaction through digital banking. Business Mastercard Credit card holders can earn additional points for purchases made at department stores, electronic stores, or book stores made between July 1-September 30, 2026. Qualifying department store, electronic store, or book store purchases will receive 6X points with a cap of $1500 spending or 9,000 points. Once cap is met, member will earn normal points. Members will see their additional earned points within 1-3 business days of transaction through digital banking.