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Credit Cards

Canyon State Credit Union offers MasterCard Platinum credit card with low rates and valuable rewards program called Rewards! Earn points towards gifts or travel simply by using your Canyon State credit card.

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Benefits of Our Platinum Credit Cards

  • Low Rates
  • No Annual Fee
  • No Cash Advance Fees
  • No Balance Transfer Fees
  • Free Online Account Access
  • Rewards! Program

Rewards! Program

The Canyon State Platinum MasterCard credit card comes with a program called Rewards!. With Rewards! you earn 1 point for every $1 spent with your credit card. You can choose from hundreds of rewards including gift cards, merchandise, travel, green products, charitable donations, and discount memberships. With so many reward options, the hardest part is choosing your rewards. You can access your account online with 24/7 access to review your points and start browsing for your next rewards.

Rewards! offers you the complete freedom to choose when and where you want to travel. Benefits include round-trip flights, no blackout dates, flights on major carriers, and no complicated frequent flyer programs to join. You can even use your points for a discount off any scheduled major international or domestic airline ticket. The total ticket cost will be billed to your Rewards! account with a credit appearing within the next two billing statements.

Cash Back
Rewards! offers you the flexibility and freedom to spend your reward any way you want. You may choose to receive an account credit that will be applied to your Rewards! account or choose to redeem for the MyChoice Funds prepaid card that can be used at millions of locations. Points will automatically be subtracted from your account and a credit will appear on your Rewards! account within the next two billing statements after your order was placed.

Charitable Donations
Use your points for a greater good by selecting a CharityChoice gift card. You may designate the funds for up to 3 charities of your choice. CharityChoice offers over 100 carefully selected major charitable causes.

Green Products
Choose from products that are energy savings, resource conserving, made from recycled materials or made from natural materials.

Earn bonus points with our exclusive perks!

  • Shop online through a network of over 500 top national and regional merchants and be rewarded even more. You will earn 5x points on all purchases made online after selecting the links to the merchants through the Perks Points Mall. Many merchants offer exclusive discounts on top of the bonus.
  • You can earn 3x points on all purchases including brand name merchandise and popular gift cards for dining, entertainment, shopping and travel related expenses including hotels, fuel and car rental when you use the Rewards! superstore.

Continue to Rewards! Program

Credit Card Account Management

View, pay and manage your account online 24/7. Registering is quick, easy and free! You have secure online access to your card account so you can get your current account summary, review card activity, view billing statements and make a payment. Plus, you can register to receive free automatic account alerts like payment reminders, balance updates, account activity warnings, and more, sent directly to your email address.

Credit Card Account Management

Shop Safe Online

The security and privacy of your payments are important. MasterCard offers a free, simple-to-use service that confirms your identity with an extra password when you make online transactions. Register below MasterCard SecureCode.

MasterCard SecureCode

Debit Cards

A Canyon State MasterCard debit card has all the functionality of an ATM/POS card plus the advantage of acceptance at any merchant that accepts a MasterCard debit card. All MasterCard debit transactions are posted against a checking account. You must have a checking account in order to have a MasterCard debit card. There are no fees and no transaction fees for MasterCard debit or POS transactions.


  • You have access to your checking account funds without writing a check
  • Debit cards are more widely accepted than checks
  • Debit cards double as an ATM cash card from your account
  • Deposits and withdrawals can be made at an ATM using your MasterCard debit card
  • 1% Cash Back with a CashBack Checking Account

"Credit" Transactions
The debit card can be used as a “credit” transaction, meaning it’s processed like a credit card transaction when you do not want to have your money immediately removed from your checking account. You sign a receipt and a hold is placed on the checking account funds equal to the amount of the transaction. The transaction may post up to three days later.

Make online purchases worry-free with eGuard.

  • You're enrolled automatically
  • Extra layer of security
  • For online purchases
  • Easy to use

Everyone's sensitive to the risks of identity theft and fraud  That's why Canyon State Credit Union offers multiple security measurers to protect your debit card, including this 3D Secure solution.  You're automatically enrolled in eGuard, which texts you a special passcode and asks specific questions in order to complete your purchase.  Today, less than 5% of all eCommerce transactions are processed as 3D Secure; however, this volume is expected to dramatically increase over the near future due to increases in card-not-present fraud.

  • Verified transactions will go through uninterrupted
  • Cardholders will only be declined or asked to authenticate when the activity is suspicious

Disputed Transactions
If you have a disputed transaction, please call us at 623.580.6000.