epfcu SMART REWARDS Mastercard® Balance Transfer Intro Offer
Put Money Back in your pocket!
- 4.99% APR* for 12 months on balance transfers (then a variable APR between 10.75% -18.00%)
- No Balance Transfer Fees**
- Cash advance APR is the same low rate as purchases
Not a cardholder yet?
Offer available to new cardholders only.
*APR= Annual Percentage Rate. The 4.99% introductory APR for balance transfers will apply to transactions posted to the account during the first 30 days following the opening of the account. 4.99% introductory rate will revert to the current standard rate as applicable after the promotional period, which is variable, ranging from 10.75% to 18.00% APR and is based on individual creditworthiness. Rates quoted are effective May 5, 2023 and subject to change. Credit card applications are subject to terms, conditions and credit approval.
**Other fees may apply such as cash advance (2% of the cash advance), foreign transaction fees (1% of each currency transaction), late payment fees ($20.00 per occurrence), return payments ($25) or other account fees and charges.
Membership eligibility required. Insured by NCUA
Save
- 2X points on grocery purchases, 1 point per dollar on all other purchases***
- No Balance Transfer Fee
- Cash advance APR is the same low rate you pay for everyday purchases
- No annual fee
- Earn points for gift cards, merchandise, travel and more
- Merchant-funded bonus point offers
Earn
Get rewarded for everyday purchases! Visit epfcusmartrewards.org or log into epOnline to enroll, manage and redeem your points.
Manage
Online account access and card management is available via epOnline. Just log into epOnline to get started once you've received your epfcu SMART REWARDS card.
Enjoy
Your epfcu SMART REWARDS card comes with added benefits from Mastercard®. Check out the Guide to Benefits (PDF).
Get started today
Mastercard®
Effective May 1, 2023
Interest Rate and Interest Charges
|
|---|
| Annual Percentage Rate (APR) for Purchases Paying Interest | Mastercard: 10.75% - 18.00% This APR will vary with the market based on the Prime Rate
Secured Mastercard: 15.00% |
|---|
| APR For Balance Transfers | Mastercard: 4.99 % Introductory APR for 12 Billing cycles. After that, Your APR will be 10.75% - 18.00% This APR will vary with the market based on the Prime Rate
Secured Mastercard: 15.00% |
|---|
| APR For Cash Advances | Mastercard: 10.75% - 18.00% This APR will vary with the market based on the Prime Rate
Secured Mastercard: 15.00% |
|---|
| 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 Bureau | To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
|---|
Fees
|
|---|
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 May 5, 2023. This information may have changed after that date. To find out what may have changed, call us at 202-318-1991 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. Standard variable APR: 10.75% 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 epfcu SMART REWARDS will receive double points per qualifying grocery purchases beginning May 1, 2022. Qualifying 2X points SIC/CAT Code(s) Merchant Category Codes are 5411, 5422, 5441, 5462 and 5499. EPFCU is not responsible for how merchants identify transactions or the category codes used which may impacts the amount of points you earn. Double points will be credited to epfcu SMART REWARDS cardholder balance within 60 days of the qualifying purchase(s)
