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With BIG rewards, LOW rates and NO balance transfer fees, it’s the only credit card you’ll ever need!

850 Bonus epSMART REWARDS Points

August – September 2020

Use your epSMART REWARDS Mastercard® any time during August and September to earn 850 bonus points.


  • No Annual Fee
  • No Balance Transfer Fee
  • Cash advance APR is the same low rate you pay for everyday purchases
  • 1 point per dollar on all purchases
  • Earn points for gift cards, merchandise, travel and more
  • Merchant-funded bonus point offers


Get rewarded for everyday purchases! Visit or log into epOnline to enroll, manage and redeem your points.


Online account access and card management is available via epOnline. Just log into epOnline to get started once you've received your epSMART REWARDS card.


Your epSMART REWARDS card comes with added benefits from Mastercard®. Check out the Guide to Benefits (PDF).

Get started today



Effective AUG 1, 2020Print

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Purchases Paying Interest Mastercard:
7.00% - 18.00%
This APR will vary with the market based on the Prime Rate

Secured Mastercard:
APR For Balance Transfers Mastercard:
7.00% - 18.00%
This APR will vary with the market based on the Prime Rate

Secured Mastercard:
APR For Cash Advances Mastercard:
7.00% - 18.00%
This APR will vary with the market based on the Prime Rate

Secured Mastercard:
How To Avoid Paying Interest On Purchases Your due date is at least 25 days after the close of each billing cycle. We will not change Your interest on purchases if You pay Your entire balance owed by the due date each month.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at


Transaction Fees
Cash Advance

Foreign Transactions

2.00% of each cash advance

1.00% of each foreign currency transactions in U.S. Dollars
0.80% of each U.S. Dollar transaction that occurs in a foreign country
Penalty Fees
Returned Payment

Late Payment

Up to $25.00 per Returned Payment

Up to $20.00 per Late Payment
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." The information about the costs of the card described in this application is accurate as of March 23, 2020. This information may have changed after that date. To find out what may have changed, call us at 202-874-3210 or write to us at PO Box 23393, Washington, DC 20026. Applications for credit are subject to terms, conditions and credit approval. Your final rate will depend on your creditworthiness.
*APR = Annual Percentage Rate. The 1.85% promotional APR applies to balance transfers made to an epSMART REWARDS Mastercard from a non-EP Federal Credit Union credit card. Purchases and cash advances excluded. Rate is valid for 8 months, after which the introductory period ends, the standard purchase APR applies. Standard variable APR: 7.00% to 18.00%. Approval and rate depend on creditworthiness and other qualifications. The APR will vary with the market based on Prime Rate. Business Mastercard does not qualify for promotion. Available for new cardholders only. Rates, terms and conditions are subject to change without notice. Limited time offer.
†Other fees may apply such as cash advance fees (2% of the cash advance), foreign transaction fees (1% of each current transaction), late payment fees ($20 per occurrence), returned payment ($25) or other account fees and charges. See Cardholder Agreement.
**Cardholders who qualify for epSMART REWARDS in July 2020 will receive double points per qualifying purchase between July 1-31, 2020. Double points will be credited to REWARDS cardholder balance within 60 days of the qualifying purchase(s). Amazon is not a sponsor of this promotion. Amazon,, Amazon Prime, the logo, and the smile logo are registered trademarks of Inc. or its affiliates. Credit card applications are subject to terms, conditions and credit approval.