World Mastercard®

Hold it all in the palm of your hand.

World Mastercard® 101

From cashback to travel, this card is all about rewarding you for living life to the fullest. If you have excellent credit and prefer making most purchases with a card, welcome to the World Mastercard®. Designed to pay you back for healthy spending, even the $50 annual fee (starting year two - year one is on us) is no match for this generous rewards system. With a card that pays for itself this quickly, you’ll be wondering how you ever swiped and clicked without it.

  • 3 points per purchase dollar on Gas
  • 2 points per purchase dollar on Restaurant and Grocery
  • 1.5 points per purchase dollar on all other purchases

What's to love

Mobile Phone Replacement
Pay your monthly cellular bill with your Fortera Mastercard credit card and if your phone gets damaged or stolen, you’ll receive a reimbursement.

Travel In Style
Get the most from all your travels whether you are planning a last-minute getaway or your dream family vacation. Mastercard® Travel & Lifestyle Services offer a suite of benefits, amenities, and upgrades from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals, and more.

Protect Your Purchases
As a Fortera credit card cardholder, you’re eligible for Buyers Insurance. You could receive up to $1,000 for damaged or stolen purchases when you submit your claim within 90 days following the date you bought the covered item.

Wait, there’s more!

Fly covered
When you pay for your entire flight using your Mastercard, you’ll fly knowing that you and your family are automatically covered by Common Carrier Insurance. This coverage insures against accidental loss of life, limb, sight, speech or hearing while riding as a passenger on any licensed common airline carrier.

Worry less over canceled plans
We hate when plans don’t go through, too. With the Trip Delay & Cancellation / Interruption Insurance, we’ll help you cover up to $2,000 of non-refundable ticket costs so you have one less thing to worry about.

See better delays
If a natural disaster or mechanical malfunction delays your trip, not to worry. Through Trip Delay support, we’ll pitch in up to $100 per day for expenses while you figure out alternative travel plans.

World Mastercard® 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.

Protect your purchases

As a Fortera Mastercard cardholder, you’re eligible for Mastercard’s Buyers Insurance. You could receive up to $1,000 for damaged or stolen purchases when you submit your claim within 90 days following the date you bought the covered item.

Get rewarded

Need some new merch in your life? Visit CURewards to set up your Credit Card Points Account or log in to an existing account and redeem your points.

Let's go

Give yourself the card that does it all. Apply for your World Mastercard® 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. Get rewarded. Visit to set up your points account or log in to an existing account and redeem your points.

  5. Protect yourself. Set up your Mastercard ID Theft Dashboard so you can review your info security at a glance, anytime. Enroll now:

Need a hand?

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

How does the World Mastercard® work?

From cashback to travel, the World Mastercard® is all about rewarding you for living life to the fullest. If you have excellent credit and prefer making most purchases with a card, the World Mastercard® offers you a generous rewards system.

Who should use the World Mastercard®?

World Mastercard® is designed for everyone but it is particularly rewarding for those with outstanding credit and who love to travel. It's designed to put the whole world in your hands.

Does the World Mastercard® have an annual fee?

Yes, it does have an annual fee of $50. However, we do not charge the annual fee for the first year you have the World Mastercard®. It only starts after one full year of use.

What documents do I need to apply for the World Mastercard®?

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 World Mastercard® online or do I need to apply for it at a branch location?

You can apply for this card online or in-person. The choice is yours.

How does the World Mastercard® compare to your other credit cards?

We're glad you asked. See for yourself!

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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 World Mastercard®
View PDF