Credit Cards
Low-rate, high-reward credit cards with no annual fees for a truly rewarding experience!
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
Choose where you earn extra!
Getting work done around the house, or getting away for a while? Bonus rewards are back this spring, and Platinum Rewards, World, and Business Mastercard® holders get to choose where their spending earns extra from April 1 to June 30!
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!
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!
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 on hotel, airlines, and home improvement made between April 1-June 30, 2026. Limit one statement credit per qualifying cardholder. $10 statement credit for $600 in qualifying spending. $15 statement credit for $800 in qualifying spending. Statement credit will be on the cardholder's monthly statement and applied by August 2026.Platinum Rewards Mastercard Credit card holders can earn additional points for purchases made on hotel, airlines, or home improvement made between April 1-June 30, 2026. Qualifying hotel, airlines, and home improvement purchases will receive 2X points with a cap of $500 spending or 1,000 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 on hotel, airlines, home improvement, restaurants, gas, or electric charging made between April 1-June 30, 2026. Qualifying hotel, airlines, or home improvement purchases will receive 2X points with a cap of $500 spending. Qualifying restaurant, gas, or electric charging purchases will receive 3X points with a cap of $250 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. Business Mastercard Credit card holders can earn additional points for purchases made on hotels, airlines, or home improvement made between April 1-June 30, 2026. Qualifying hotel, airlines, or home improvement purchases will receive 3X points with a cap of $500 spending. Once cap is met, member will earn normal 2X points. Members will see their additional earned points within 1-3 business days of transaction through digital banking.