All Credit Human locations will be closed on Wednesday, June 19 in observance of Juneteenth National Independence Day.

    Credit Cards & Loans

    More ways to work toward your goals.

    Rate Preferred Mastercard®

    Look no further for a no annual fee credit card with great rates.

    • APR as low as 11.70% on purchases and cash advances*
    • Balance transfers as low as 7.90% APR*
    • No annual or balance transfer fee
    • Protection against lost or stolen cards.

    NOTE: This credit card does not earn rewards. For a credit card with rewards, see the Rewards Preferred Mastercard.

    A Mastercard® Just For You

    With your Rate Preferred Mastercard®, you get a no annual fee credit card that is accepted at millions of locations worldwide. Get a reduced annual percentage rate (APR) for the first six billing cycles plus great rates after that – on everything from purchases to balance transfers and cash advances.

    WANT MORE DETAILS? View the complete Mastercard® Terms Agreement (PDF).

    Apply Now

    Price Protection and Extended Warranty Services

    When you use your Rewards Preferred Mastercard for purchases, you gain savvy consumer protections. For example, if you see a lower price in a printed advertisement or non-auction internet advertisement for a product you purchased with your Mastercard, the difference is covered up to $250 for eligible items.

    Your Mastercard also automatically doubles the original manufacturer warranty up to a maximum of 12 months on most items you purchase. In eligible cases where you purchase a service contract or optional extended warranty, your Mastercard can extend coverage for an additional 12 months.

    WANT MORE DETAILS? For more detailed information, see all Mastercard Cardholder Benefits (PDF).

    NOTE: Restrictions apply on both price protection and extended warranty services, and not all purchases are eligible. To file a claim or discuss eligibility, call 800-MASTERCARD (800-627-8372) within 60 days of the purchase in question.

    Identity Theft Resolution

    As a Rewards Preferred Mastercard holder, you get access to personal identity theft resolution services. You will be provided with an identity theft resolution kit, affidavit assistance, credit card reporting agency notification and alerts, assistance with card replacement, and education on identity theft prevention. These services are free of charge to eligible cardholders.

    NEED HELP? Should you believe you are a victim of identity theft, simply contact
    800-MASTERCARD (800-627-8372) to get help 24 hours a day, 365 days a year.

    All Credit Cards Feature:

    Easy Access

    Get up-to-the-minute information with mobile and online banking, including current balances, transaction history, and more.

    Digital Wallet

    Add your Credit Human credit card to Apple Pay, Samsung Pay or Google Pay and complete transactions right from your mobile device.
    Learn More

    24/7 Support

    When it comes to your credit cards, we have your back. If your card is ever lost or stolen, call our credit card hotline 24 hours a day, 7 days a week. Just dial 844-286-5775.
    * Rates are variable and based on an evaluation of credit history, so your rate may differ.

    Apply Online Now

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    Credit Cards & Loans

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    Rewards Preferred Mastercard® thumbnail

    Rewards Preferred Mastercard®

    Enjoy cash back and low rates.

    • Earn 2% cash back on all purchases
    • APR as low as 14.15% on purchases and cash advances*
    • Balance transfers as low as 5.90% APR*
    • No annual fee
    • No balance transfer fee
    Get Details

    Checking & Savings

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    Free Checking

    It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.

    Get Details