• Add multiple authorized users to your account, each with an assigned pre-set limit
  • Revolving credit and non-revolving credit (must be paid in full by due date) options are available
  • No annual or transaction fee
  • Protected by EMV chip technology (see the FAQ tab for more information)
  • Automate payments from your Empower Business Checking account
  • Use Online Banking to view activity and pay bills
  • Access cash-advance services at Empower branches
All loans subject to approval. Rates, terms, and conditions subject to change. 

60-Day Price Protection – If you find a lower price for a new item within 60 days from the date of purchase using your eligible Mastercard card, you may be reimbursed for the price difference.*

1-Year Extended Warranty – Doubles the original manufacturer’s or store-brand warranty for up to one year when you pay with your eligible Mastercard.*

Identity Theft Resolution Services – Assists you with credit bureau notification and credit card replacement, and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.*

Zero Liability1 – Pay only for purchases you have authorized on your Mastercard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply.

Mastercard Global Emergency Services – Provides 24/7 assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, Emergency Cash Advance, as well as assistance with locating ATMs and help with account-related questions.

Priceless®Cities – Get insider access to one-of-a-kind experiences and offers in some of the world’s most exciting cities.

Airport Concierge™ – Arrange for a personal, dedicated Meet & Greet agent to escort you through the airport on departure, arrival or any connecting flights, 24/7/365 at more than 450 destinations worldwide.

Purchase Assurance – Provides coverage for most items you purchase with your eligible Mastercard if the item is damaged or stolen within 90 days of the date of purchase.*
*These are summary descriptions only. Additional terms, conditions and exclusions apply. Valid for Empower Federal Credit Union Business Credit Mastercard.

© 2014 Mastercard. All rights reserved. ® Mastercard, the Mastercard Brand Mark and Priceless are registered trademarks of Mastercard International Incorporated. 

1 Zero liability does not apply if the account is not in good standing or cardholder has not exercised reasonable care in safeguarding the card from theft or loss. See http://www.mastercard.us/zero-liability.html for more details.

All loans subject to approval. Rates, terms, and conditions subject to change. 
Your Mastercard has an embedded microchip for a more secure transaction. Simply insert your card at checkout, when possible. If a chip-friendly reader is not available, you can swipe your card as you always have.

Q: What are chip cards?
A: The chip contains your card number, name, and other account information. There is no other personal information stored on the chip. Due to security in the chip, every transaction you make is unique, which makes it extremely difficult for the card to be copied or counterfeited. Your chip card will also have the usual magnetic stripe on the back so that you can continue using your card while merchants are transitioning to new chip card terminals.

Q: What are the benefits of chip technology?
A: The embedded microchip provides dynamic transaction security features and other capabilities not possible with traditional magnetic stripe cards. A chip card is extremely difficult to counterfeit.

Q: Why is my card being upgraded to a chip card?
A: Chip technology is already used in other countries and now coming to the U.S. Your new chip card provides an extra level of security and is easier to use at international locations.
Chip card inserted into card reader Q: How is this card different from a magnetic stripe card?
A: A chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. Rather than swiping your card, you will insert your chip card into the card terminal to complete the transaction. Once inserted, do not remove the card until the transaction is complete.

Q: How does chip technology work?
A: Every transaction with a chip card has unique data in it. Chip transactions are dynamic, not static like magnetic stripe cards. That is why if someone were able to intercept one of your chip transactions they would not be able to use that information again. This stops fraudsters from being able to create counterfeit chip cards.

Q: Are chip cards new?
A: Although chip cards are relatively new in the U.S., they have been used elsewhere for many years. In some countries, particularly in Europe, merchants may be more familiar with accepting chip cards.

Q: Where can I use my chip card?
A: Use your chip card at the exact same merchants you do now—by inserting the card into card terminals that are chip-enabled or swiping your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your card as you did before for online payments, telephone payments, and at ATMs.

When you receive your card, activation is simple:

  • From your primary phone number for your Empower account, call 866.642.0450.
  • Follow the prompts to activate your card and set up your PIN.

Once completed, you are now ready to begin using your Empower Mastercard.

Meet Your Business Service and Lending Team

What do you want out of life?

Empower Federal Credit Union welcomes employees of many companies, immediate family/household members of employees and retirees, as well as our outreach to underserved communities to enjoy personal and business banking solutions including auto loans, mortgages*, credit cards and more. Bank online, in any central NY branch, or call us at 315.477.2200.

* Home mortgages available in FL, PA, CT, NY and NC.