World Mastercard Credit Card
See the world, save on fees, and get rewarded wherever you go.
World Mastercard
Turn travel dreams into destinations
We’re packing-on the points, so that you can pack your bags more often. With no upkeep or international processing fees paired with smart security features and digital access, you can see the world and save money at the same time.
Limited Time Bonus
Pay bills, get points!
Earn 3x points on up to $500 of utility and subscription spending between January 1 and March 31!* Pay with your World Mastercard® to start earning and track your progress right from digital banking.
orsaWatch: Subscription Manager
New! 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!
World Mastercard® Details
The good stuff
With all kinds of perks, extra points, more reward options, and no upkeep or international processing fees, the orsa World Mastercard® is your ticket to more tickets.
- $5,000+ credit lines available
- 1.5X points for every $1 spent
- No international or foreign processing fees
- No monthly, annual, or cash advance fees
- Tap to Pay for faster and safer checkout
- Digital card replacement
- Digital wallet compatibility
- NEW! Find, track, and cancel monthly subscriptions with orsaWatch
- Mastercard® discounts on Instacart, Peacock, Lyft, HealthLock, and more!
- Mastercard® Zero Liability Protection
- Mastercard® ID Theft Protection™
- Handy security features and fraud alert texts
- Advanced controls for setting alerts and restricting usage
- Financial Counseling and other learning resources
- See all the great perks available at World Mastercard Offers and Benefits
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.
Credit Card Rewards
Ready for rewards?
Every purchase means more points in your pocket, so don’t be afraid to treat yourself!
Cards and Community
Turn your points into impact!
At orsa, beauty isn’t just plastic deep. Because of our for-impact 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 is a 501(c)3 non-profit organization created by orsa credit union to keep growing our giving and maximize our impact. The orsa foundation’s purpose is to make sure that the Michigan communities we serve are places where everyone can prosper, with a focus on funding what makes housing attainable, strengthens the workforce, and fosters community mobility.
Strengthening communities across Michigan
The orsa foundation is a 501(c)3 non-profit organization created by orsa credit union to keep growing our giving and maximize our impact. The orsa foundation’s purpose is to make sure that the Michigan communities we serve are places where everyone can prosper, with a focus on funding what makes housing attainable, strengthens the workforce, and fosters community mobility.
Open A New World Mastercard®
Apply for an orsa World Mastercard
A few minutes is all it takes to apply and get those rewards rolling!
Credit Card Options
Other orsa credit cards
Not sure if this one is the right card for you? Explore our other options below or learn about your orsa credit card’s contactless payment methods, expense planning tools, and other features found on our digital banking platform!
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!
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.
Other Products
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Disclosures
Learn more about the orsa World Mastercard® benefits and perks here.
View the orsa Mastercard® Credit Card Rate Disclosure here.
View the orsa Mastercard® Cardholder Agreement here.
View the Buy Now, Pay Later Terms and Conditions here.
*World Mastercard® Credit card holders can earn additional points for purchases made on utilities and subscriptions made between January 1-March 31, 2026. Qualifying utilities and subscriptions will receive 3X points with a cap of $500 spending. Once cap is met, member will earn normal 1.5X points. Members will see their additional earned points within 1-3 business days of transaction through digital banking.