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Credit Card

Simply a great card. No gimmicks.

Spend more time traveling and living life. Less time keeping up with credit card gimmicks.


Tap to Pay

Tap, pay, and you're on your way! With contactless payment, simply tap your card against the payment terminal for a fast and secure way to complete a purchase.


Zero Liability

If bad guys get your card and make unauthorized purchases, you're not on the hook.


No Gimmicks

Feel good about the credit card in your pocket with a low, non-variable interest rate; limits up to $30,000; and no annual, cash advance or balance transfer fees.


Extended Warranty

Doubles most manufacturer or U.S. store brand warranties for up to one additional year.


Mastercard ID Theft Protection

Mastercard provides a number of ID Theft resolution services to help members recover fast.


Convenient Control and Access

Get seamless access to your card on your phone or tablet. Plus, managing your cards and setting up alerts is a breeze on the Mocse mobile app.


View rates
As low as 12.90 % APR

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Monthly Payment

Credit Card

Everything you need, nothing you don't

The Mocse Mastercard offers a ton of benefits while keeping things simple.

✔ Contactless payment
✔ Mastercard ID Theft Protection
✔ Zero liability
✔ Extended warranty
✔ Mastercard Global Service

About us feature 1
Credit Card

Great rate, global acceptance

Enjoy the simplicity of a consistently great rate. So many credit cards mask uncompetitive rates by surrounding them with confusing gimmicks and qualifiers. With a Mocse Mastercard, what you see is what you get. A simply terrific rate and worldwide acceptance.

debit credit feature 2

Very helpful. Very knowledgeable. A very pleasant experience.

— A. P.
I was greeted with a smile and had great customer service
B. P.
Punctuality; Quick; And Professional
L. M.
Teller was fast, greeted me and very nice.
S. V.

How it works

It’s easy to get a Mastercard Credit Card

Step 1

Breeze through an online application.

Step 2

We’ll reach out to you with your credit limit.

Step 3

Start enjoying greater financial freedom.

Enjoy the financial freedom you've earned

Our Mastercard card delivers for members

  • *Actual interest rate will be provided upon approval of a completed Mastercard® application. View the entire disclosure.


    Traveling Out of the Area?

    To ensure you have continued access to your Debit & Credit Card while you are traveling, please submit your travel notice using the Mocse SmartCARD app or within our Mobile Banking app by clicking on the My Cards link under the Quick Links section. Click the Travel Plan icon, and enter your travel dates and destination(s).

    You can also notify us through Online Banking under Settings and then Security & Alerts.

    If calling is more convenient for you, contact our Members Services Department at (209) 572-3600 or (800) 44-Mocse to alert them of your travel plans.


    Additional Information

    • For lost or stolen Credit and Debit cards while in the U.S. during normal business hours, please call: (209) 572-3600 or (800) 44-Mocse.
    • ​For lost or stolen Credit and Debit cards while in the U.S. after our normal business hours, please call: (800) 472-3272
    • To activate a Credit or Debit Card please call: (800) 992-3808

System Maintenance Due to system enhancements, you may experience issues with Digital Banking Saturday 6/22 8:00 pm - Sunday 6/23 3:00 am PST.