The CHOICE REWARDS® Program
Collect points every time you use your CHOICE REWARDS MasterCard card for retail purchases or monthly expenses, then choose from a selection of redemption options – from travel and merchandise to charitable donations.
Merchandise is delivered right to your door, taxes, shipping and handling included – it’s that easy. The service and flexibility of the CHOICE REWARDS program make it one of a kind.
With the flexibility of the CHOICE REWARDS program you can travel virtually anywhere at anytime. You can also redeem your CHOICE REWARDS points for donations to two national charitable organizations.
Visit us in-branch or call to speak to one of our helpful member service representatives for more information.
Types of CHOICE REWARDS MasterCards
Gold CHOICE REWARDS MasterCard |

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The Gold CHOICE REWARDS MasterCard is the perfect card for those who require a higher credit limit and the added security of an extensive travel package. Plus, you earn one CHOICE REWARDS point for every dollar you spend. The outstanding set of features on this card includes Out-of-Province/Country Medical Insurance, MasterRental®, MasterTrip®, MasterLegal®, and MasterPurchase® . Annual Fee: $120.
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Low Fee Gold CHOICE REWARDS MasterCard |

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Take advantage of the exceptional benefits offered through the Low Fee Gold CHOICE REWARDS MasterCard credit card including Trip Cancellation Insurance, Purchase Assurance, Extended Warranty, MasterRental, MasterTrip, and MasterLegal. It is the right card if you want a comprehensive benefits package at a lower annual fee. Earn one CHOICE REWARDS point for every dollar you spend. Annual Fee: $59.
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Low Fee CHOICE REWARDS MasterCard |

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The Low Fee CHOICE REWARDS MasterCard credit card gives you select features and benefits with a low annual fee. Enjoy the security of Credit Card Registry as well as Purchase Protection and Extended Warranty on most items purchased with your MasterCard credit card. Travel worry-free with Master RoadAssist®, Travel Accident Insurance, Emergency Cards and Cash, and Trip Cancellation Insurance. Earn one CHOICE REWARDS point for every dollar you spend. Annual fee: $24. |
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Student CHOICE REWARDS MasterCard |

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The Student CHOICE REWARDS MasterCard card lets students build a credit history while collecting CHOICE REWARDS points at the same time. With a credit limit of up to $1,000, the Student CHOICE REWARDS MasterCard also features the benefits of Purchase Protection, Extended Warranty, Master RoadAssist, and $100,000 Common Carrier Accident Insurance. Earn one CHOICE REWARDS point for every dollar you spend. Annual Fee: $24.
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No Fee CHOICE REWARDS MasterCard |

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The No Fee CHOICE REWARDS MasterCard credit card is perfect for you if you are interested in a credit card with fewer value-added features. You will automatically accumulate CHOICE REWARDS points with this card, but at half the rate of other CHOICE REWARDS MasterCard credit cards (one point for every two dollars spent on the card). You are covered for up to $100,000 by Common Carrier Travel Accident Insurance. No Annual Fee.
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We are here to help! If you'd like help selecting which MasterCard best suits your needs, call us or drop by any of our 5 branches.
Check your MasterCard Balance Online
Already have a Credit Union MasterCard?
You can access information about your PenFinancial Credit Union MasterCard on-line!
View your Balance Information, Account History, Payment Information and Account Details, 24 hours a day, 7 days a week - anywhere you please!
Click here to access Cucardsonline™
- When you arrive on the page, enter your card number and password for validation.
- If you are signing up for the first time, click on the "Register Here" link. You will require your MasterCard account number which is found on your PenFinancial MasterCard statement.
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