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Lafayette Street ATM: Due to building construction the ATM located at 12 E. Lafayette St. will not be available until further notice. Please visit AllpointNetwork.com for the closest surcharge-free ATM. We apologize for the inconvenience.

Your funds deposited with Credit Union of New Jersey are safe, secure and insured.

Credit Cards

The best to know when you’re on the go.

Our Mastercard® Credit Cards are such great financial tools. They can be used for everyday purchases, they’re very handy when it comes to emergencies, and they can even help you improve your credit score if used wisely.

Enjoy two free months of Instacart Express¹ with your Credit Union of New Jersey Mastercard®

Avoid the grocery store lines and keep a financial lifeline in your pocket with our Platinum Mastercard®. Dice, simmer and grill hand-selected groceries from local stores with two free months¹ of Instacart Express when you register using your Credit Union of New Jersey Mastercard®.

With your refrigerator stocked, you’ll also have the security and comfort of available credit when you need it. Our Platinum Mastercard® comes with a credit limit up to $25,000 and a rate of just 2.99% APR² for the first year with rates between 8.15% and 16.15% variable APR² after that.

Following the Instacart introductory period, you’ll automatically be enrolled into an annual membership with your card billed $99 per year¹.

InstaCart logo

How can I claim this offer?

If you already have a CU of NJ MasterCard:

New Express members can elect to use their Mastercard card when signing up for an Express subscription. Follow these simple steps to take advantage of this offer.

  • Go to www.instacart.com/mastercard
  • Click “Get Started” to create your account
  • Once logged in, click the green “Redeem Offer” button on the page
  • Next, input your Mastercard credit card, debit card, or prepaid card information (Mastercard HSA and FSA cards will not be accepted)
  • Once you fill out the required information, click Start membership to begin your Instacart Express membership

Don’t have a CU of NJ Mastercard or not yet a member?

What are you waiting for?

Apply today

Here’s how our cards stack up:

Card Comparison chart
Type of Card Platinum Platinum Rewards Student Secured
New Account Special Offer 2.99% APR² for 12 months on Purchases, Balance Transfers, and Cash Advances 5,000 Bonus Points³ N/A N/A
Reward Points N/A 1 point for every dollar spent in purchases N/A N/A
Pricing & Terms
Consumer Agreement
As low as 8.15% to 16.15% APR variable As low as 9.15% to 17.15% APR² variable As low as 13.99% APR² As low as 14.99% APR²
Credit Limit Up to $25,000 Up to $25,000 Up to $25,000 Up to $25,000
Annual Fee $0 $0 $0 $0
Apple Pay logo Apple Pay™
Samsung Pay Samsung Pay™
Google Pay Google Pay™
Credit Card Alerts
Debt Protection
Emergency Card Replacement and Emergency Cash Disbursement
Travel Accident Insurance
Trip Interruption/ Trip Cancellation
Auto Rental Collision Damage Waiver

Whatever your financial objective is, we have all your bases covered with the following card programs:

  • Platinum. A fantastic card for our members seeking a low rate.
  • Platinum Rewards. For our members who use their credit card often, tend to pay off their balances each month and love the perks of earning Reward Points that can be redeemed for awesome merchandise, gift cards and travel-related purchases.
  • Student. The perfect choice for our members between the ages of 18 and 21 who are seeking to establish credit.
  • Secured. For our members who just need some help establishing or re-establishing credit.

Enjoy the freedom to prosper. If you have questions about our portfolio of credit cards, feel free to give us a call at 609.538.4061 or 800.538.4061, email us at memberservices@cunj.org or stop by one of our convenient branch locations.


Terms and Conditions By clicking “start membership” for this Instacart Express membership promotion (redeemable between October 1, 2020 to December 31, 2021 11:59pm PT), you agree to the Instacart Express terms the Instacart Terms of Service and Privacy Policy and you will receive a 2 months membership. After 2 months, your Instacart Express membership will automatically convert to an annual plan and $99 will be automatically charged to your default, active and registered Mastercard® on file with your Instacart account at the time of conversion. At any time prior to the end of the 2 months, if you do not want to be enrolled into an annual membership, you can change this default by clicking “Change my plan” on the Instacart Express page. You can cancel your Instacart Express membership at any time by clicking “Cancel membership” on the Instacart Express page. With Instacart Express, the delivery fee will not be charged on orders over $35 per retailer; delivery subject to availability. Fees, taxes, and/or tips may still apply. INSTACART® and the Instacart carrot logo are trademarks of Maplebear Inc., d/b/a Instacart, 50 Beale Street, Suite 600, San Francisco, CA 94105.


Introductory rate of 2.99% APR (Annual Percentage Rate) applies to the first 12 billing cycles and is subject to credit approval. Thereafter, APR is 8.15% to 16.15% variable, based on creditworthiness. This rate will vary with the market based on the Prime Rate. Membership eligibility required. Membership deposit of $5.00 is required at all times in Main Share Savings Account.


Subject to credit approval. 5,000 bonus points are received after account opening.

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