We offer credit card options1 to fit your every financial goal, from building credit to earning rewards and getting cash back.
Save on interest with a great low introductory rate for an extended time. Pay down other credit card balances faster with this non-rewards card.
Cash Rewards American Express®
Earn cash back2 every time you use your card: 3% on the first $6,000 in eligible net purchases made each year at gas stations,3,4 2% on eligible supermarket net purchases, and 1% on all other eligible net purchases, plus $25 cash back after your first purchase.5
Visa® Real Rewards
Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).6 Plus, earn 2,500 bonus rewards points after your first purchase.5 There is no limit on the total cash back you can earn, and you have five years to redeem for rewards.
Premier Rewards American Express®
Earn up to 4 points for every $1 spent on eligible net restaurant purchases,7 3 points for every $1 spent on eligible net airline purchases, 2 points for every $1 spent on eligible net gas purchases and l point for every $1 spent on all other eligible net purchases. Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months.5 There's no cap or limit on the number of points you can earn, and you have five years to redeem for rewards.4 Also, receive reimbursement for either Global Entry or TSA Pre®.8
Visa® College Real Rewards
Earn 1.5 points monthly for every dollar you spend on eligible net purchases.6 There's no cap or limit on the points you can earn, plus you have five years to redeem points for rewards.4 2,500 bonus rewards points awarded after first purchase5 , redeemable for $25 cash back, merchandise, gift cards, or travel savings.
Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history9, here's a great way to begin that process. Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.
Combine the convenience of a credit card while only using the money that’s available in your checking account. Plus, you can use your debit card to withdraw money free of charge at any Cambridge Savings ATM10 and make purchases anywhere Mastercard is accepted.
The finer points:
- Enjoy the convenience of not having to carry cash
- Have peace of mind with zero liability for fraudulent activity11
- Extra protection when you shop online12
Visit a branch or call 888.418.5626 to get your debit card issued.
If you would like to opt in for non-recurring debit card overdraft protection, please fill out the Overdraft Service Information form.
If you would like to opt out of Mastercard's Automatic Billing Updater service, please fill out the Mastercard Automatic Billing Updater Service Opt Out request form.
Lost or Stolen Debit Cards
Need to report a lost or stolen debit card? We’ve got you covered.
Choose from any of the options below to report a lost or stolen debit card:
- Visit us in branch
- Give us a call at 888.418.5626*
- Send us a Secure Email through Online Banking*
- Stop by one of our ITMs located at our Charlestown, Inman Square, and Porter Square branches Monday-Friday: 7am to 7pm or Saturday: 8am to 3pm
*We can be reached via phone or email: Monday - Friday 8am to 6pm, Saturday 9am to 3pm, or Sunday 10am to 3pm. If you need assistance after business hours, please call the number listed above and follow the system prompts for debit card inquiries to reach our 24/7 debit card support team.
1Offer subject to approval.
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated, and American Express. Mastercard is a registered trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.
Information about the cards’ rates, fees, other costs, and rewards can be found by clicking the Learn More/Apply Now buttons above.
2Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
3Cash Rewards Card: "Cash Back Rewards" are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see "Cash Back" in marketing material when referring to the rewards you earn. You will earn 1 Reward Point ("Point") for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points ) for each dollor of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.
4The Elan Rewards Program is subject to change . Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Card member Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is dosed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
5Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.
6Real Rewards: You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5 % cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
7 Premier Rewards Card Points: You will earn 1 Reward Point ("Point") for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a totol of 2 Points) for each dollar of Net Purchases charged to your Account during eoch billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.
8Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new card members upon approval.
9Late payments and going over the credit limit may damage your credit history.
10Newly deposited funds may not be available for immediate withdrawal. The daily ATM cash withdrawal limit is generally $500 and Point of Sale purchase limit is $1,500.
11Certain restrictions apply. For details, visit master.us/zero-liability.html.
12Mastercard® Enhanced 3D Secure is a service from Mastercard® and the Bank that provides added peace of mind when you shop online, by providing extra protection against unauthorized use of an enrolled card.