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With our state-of-the art rewards and cash back program, you'll earn 1 points for every $1 spent, plus benefits galore, including:

  • 2,500 bonus rewards points for your 1st balance transfer of $500+
  • 1,000 bonus rewards points for your 1st purchase
  • No balance transfer fee
  • Over 6 million reward options to choose from, including electronics, travel, concerts, home furnishings, and more
    • Unlike other cards, pay no additional fees to redeem rewards points
    • No blackout dates or restrictions on airline ticket points redemption
    • Purchase additional points needed to complete redemption for a specific item
    • Over 10,000 rewards available for 1,000 points or less
    • New items added daily
  • Browse rewards catalog

Enroll your Island Rewards MasterCard online at the
MasterCard Marketplace for special discounts that include retailers, restaurants, entertainment and web sites for every shopping taste.

Plus, you'll automatically receive

  • Travel Assistance - for emergencies while traveling like medical or emergency cash
  • Master Road Assistance - roadside assistance while traveling in any of the 50 states
  • MasterCard Global Assistance - provides worldwide, 24-hour assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance
  • Extended Warranty - may double the manufacturer original warranty
  • Purchase Assistance - for items purchased with your Island Rewards MasterCard that are stolen or damaged within 90 days of purchase
  • Satisfaction Guarantee Coverage - for items purchased with your Island Rewards MasterCard, for yourself or to give as a gift, if the merchant refuses to take the item back within 60 days

MasterCard SecureCodeRegister your card with MasterCard SecureCode for additional security on your credit card absolutely free.
Real-time account management at https://myisland.mycardinfo.com

  |  Call (800) 848-5654, option 8  |  Find a branch

Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for Purchases 10.9%, 13.9% or 16.9% when you open your account, based on your creditworthiness. This APR is will vary with the market based on the Prime Rate.
APR for Balance Transfers 4.90% to 9.9% introductory APR when you open your account, based on your creditworthiness, for 6 billing cycles from the date the balance transfer posts to your account. ($500 minimum balance transfer required)
After that, your APR will be 10.9%, 13.9%, or 16.9%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 10.9%, 13.9% or 16.9% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance in full by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $.01
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.
Set up and Maintenance Fees
• Annual Fee
Transaction Fees
• Balance Transfer Fee
• Cash Advance Fee
• Foreign Transaction Fee
$10.00 or 3% of the amount of the advance, whichever is greater
1% of each transaction in U.S. dollars
Penalty Fees
• Late Payment Fee
• Over-the-Credit-Limit Fee
• Returned Payment Fee
Up to $10.00
Up to $15.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Effective Date: The information about costs of the card described in this application is accurate as of March 19, 2014. This information may have changed after that date. To find out what may have changed, contact the credit union toll free at 800/848-5654.

Other Disclosures
Late Payment Fee $10.00 if the minimum payment is not received within 10 days of the due date
Over-the-Credit Limit Fee None
Returned Payment Fee $15.00 for paper or electronic loan payments returned for any reason
Statement Copy Fee $5.00 for a paper statement; free on https://myisland.mycardinfo.com
Document Copy Fee $2.00
Research/Audit Fee $40.00 for requests to conduct account research which may include, but are not limited to, transactions, payments and/or interest

Print Date 04/01/14