The Card with all the Benefits and None of the Fees

R.I.A. MasterCard® Rewards Credit Card

Mastercard® Rewards Card

Earn 1.5% cash back on all qualified purchases with a credit line of up to $30,000.¹

R.I.A. MasterCard® Classic Credit Card

Mastercard® Classic Card

A low rate card option for holding balances with a credit line of up to $30,000.²

Flexible Payment Options

Our credit cards support the latest payment technologies9 making it secure, quick, and easy to pay.

Apple Pay

Google Pay

Samsung Pay

Credit Card FAQ

You have questions. We have answers. See below for a list of our most frequently asked credit card questions.

What happens if I am late on a payment?

We care about the well-being of our members, and therefore, offer a grace period on all loans, including credit cards. In some cases, however, late fees could be assessed. For more information on late payments contact us at 800-742-2848 or visit our fees schedule.

How do I know which credit card is right for me?

With some of the lowest rates in the area, R.I.A. Federal Credit Union offers credit cards to fit our members’ needs. While our rewards card offers great monthly incentives, what’s right for you depends on your goals. Our member service representatives are available to discuss your options. Contact us at 800-742-2848.


1. Mastercard Rewards Card

  • See Mastercard® Credit Card Disclosure, Rewards Terms and Conditions and Rewards TIL Disclosures for full details and disclosures. 1.5% cash back is converted from points earned. You will automatically earn 1.5 points per $1.00 spent on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. Points can be converted to cash back in increments of 500 points or $5.00. Points expire after 3 years. Points are redeemed via the UChoose website which can be accessed via RIAFCU online and mobile banking.

2. Mastercard Classic Card

9. Digital Banking Features

  • (Mobile Banking) Message and data rates may apply; consult your carrier for further details. Not all mobile devices are supported.
  • (Mobile Pay)
    • Apple, the Apple logo, iCloud and Apple Pay are trademarks of Apple Inc.
    • Google Pay is a trademark of Google LLC. Android, Google Pay and the Google Pay logo are trademarks of Google LLC.
    • Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.


Still Have Questions?

Get Started

Ready for more purchasing power? Apply for a credit card with R.I.A. and get approved today.