Level Credit Card

Get ahead from the start.

Level Card 101

The credit-building card that just keeps giving. If you’re consistent with your monthly payments, not only are you getting your credit off on the right foot (congrats!) but you’ll be open to rates as low as 15.75%. Plus, you’ll be eligible for annual credit limit increases, so you can do more with what you’ve got. That’s what we call next level.

Level Credit Card Benefits

Card Updater

Make your new credit or debit card your new payment source across all your favorite online retail sites, all at once. Our secure Card Updater tool makes the switch quick and painless, plus it’s free for all Fortera members, just because.

New limits apply

After one year with your card, you’re eligible for a credit limit increase. We review your account for eligibility monthly, so when the calendar flips to your new credit card year (every year), we’ll look at where you stand, and where you can go.

Protect your identity

Your identity is in good hands with Mastercard’s ID Protection Services. Thanks to the latest measures like automated monitoring and human threat intelligence, if something ever goes wrong, you’ll get immediate, actionable updates on your information security.

Enjoy global service 24/7

Mastercard Global Service™ provides worldwide, 24-hour help with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advances. If you need to make a purchase, Mastercard will give you a cash advance and send you a temporary card within one day in the US, or two days anywhere else.

Fly a little higher

Like a passport to the finer side of air travel, enjoy 15% savings on Airport Meet and Greet services thanks to Mastercard’s Airport Concierge services. Arrange for your very own Meet and Greet agent to escort you through the airport on departure, arrival, or any connecting flights at over 700 destinations worldwide.

Always in your pocket

On the couch or on the go, keep your money close with our Mobile App and Online Banking.

Where you go, we go

Credit Unions around the world work together to make sure our members can use branches and ATMs everywhere — surcharge-free. Nice, right? Download our CO-OP app and plot your next getaway.

Goal setting made simple

Our skilled experts are easy to reach and happy to help. For members and non-members alike, meetings and consultations are always free, so make the most of your money, on us.

Rest easy

With us, your money is always protected and insured by the National Credit Union Administration. You’re covered on all deposits up to $250,000, so save away.

Statements that save

....Trees, space, and worry. Always enjoy access to 18 months worth of e-statements. Keep more trees, toss your file cabinet, and know your info is always safe and sound.

Get by with a little help

Or even a lot. Either way, we’re here. Call, text, or chat with our experts anytime you need a friend who knows all things Fortera.

Card control in a click

Control your cards while you’re doing your online banking using our Card Manager Tool. Set travel notifications, review statements, turn cards on and off, opt-in to Overdraft Protection or Courtesy Pay, and plenty more — all in one place.

Get Started

Build some credit confidence. Apply for your Level Card today.

Next steps for new cardholders

This is the start of something good. How to set yourself up for card-carrying success:
  1. Go hands-free. Add your card to your digital wallet for secure, touchless transactions.

  2. Take control. Add your new card info to Online and Mobile banking, then use the Card Manager tool to set travel notifications, review statements, turn cards on and off, and more.

  3. Update once, shop everywhere. Our Card Updater tool is your online shopping secret weapon. Share your new card info with all your favorite online retailers — all at once. Just select accounts like Amazon, Netflix, Spotify, and Target (to name a few), type in your new card info once, and every account selected will get updated with your new card added as a payment source. Boom.

  4. Protect yourself. Set up your Mastercard ID Theft Dashboard so you can review your info security at a glance, anytime. Enroll now: https://mastercardus.idprotectiononline.com/

Need a hand?

Tag us in! Give us a call and let's talk face-to-face.

Who should use the Level Credit Card?
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We recommend the Level Credit Card to any of our members just starting out on their credit journey. It's an easy-to-use, secure card design for people new to credit. If you're ready to start building credit, this may be the perfect card for you.

What is the rate for the Level Credit Card?
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The rate for this card is 15.75%.

Does the Level Credit Card have an annual fee?
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Yes, you can pay $5 monthly or $60 annually.

What documents do I need to apply for the Level Credit Card?
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To verify your identity, we always ask that you come prepared with a government-issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800.

Can I apply for the Level Credit Card online or do I need to apply for it at a branch location?
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You can apply for this card online or in-person. Whatever floats your boat.

Does the Level Credit Card require a deposit upfront?
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Nope! You're welcome.

Share Secure Loan

Use your own existing savings as collateral and establish or build credit while funding your everyday needs.

Go Checking

A checking account designed to help your money keep up with you.

Access Certificate

It only takes $25 to up your savings game with our most flexible certificate.

What's New

Nitty, gritty, and super important.

Fine print is your friend. When you have a minute, give these a good read:
Member Service Agreement
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Privacy Policy
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Mastercard® Guide to Benefits for Credit Cardholders
View PDF