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Mastercard3/4 on file
✓ Annual fee checked
Tower Federal Credit Union · Mastercard

Gold Mastercard

Low InterestNo Annual Fee

The Gold Mastercard is a Mastercard from Tower Federal Credit Union with an annual fee of $0. Here is what we hold on it, and what we do not.

Annual fee$0per yearChecked towerfcu.org
Top earn rate1%on OtherChecked towerfcu.org
Welcome offerNot confirmed
Browse other cardsNo application link on file · apply through Tower Federal Credit Union directly

Credit union with branches in: Maryland (17). Where it has branches is not a rule on who may apply.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Gold Mastercard, exactly as recorded.

Annual fee
$0Checked towerfcu.org
Supplementary card
Not confirmed
Foreign transaction
1.1%Checked towerfcu.org
Purchase APR
10.9%–15.9%Checked towerfcu.org
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Gold Mastercard. That may mean there isn’t one, or simply that we have not recorded it — Tower Federal Credit Union’s own page is the place to check.

Rewards

What it earns

Published category multipliers for the Gold Mastercard.

CategoryEarn rateCap
Other1%No cap on file
Checked towerfcu.org
Next step

Ready to apply for the Gold Mastercard?

We hold no application link for this card. Tower Federal Credit Union takes applications on their own site — or compare the alternatives we do have links for.

Browse alternatives
Questions

Questions about the Gold Mastercard

How much is the Gold Mastercard annual fee?

The Gold Mastercard has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Gold Mastercard earn?

The Gold Mastercard earns 1% on other. The full table is on this page.

What network is the Gold Mastercard on?

The Gold Mastercard runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Gold Mastercard available in United States?

Yes — the Gold Mastercard is issued by Tower Federal Credit Union and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Gold Mastercard figures last checked?

We checked its annual fee in October 2026, its foreign transaction fee in September 2026, its purchase APR in September 2026 and its earn rates in October 2026, each against a published document. Terms can change without notice, so confirm the current details with Tower Federal Credit Union before you apply.