Credit Card | EP Federal Credit Union

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

Now earn 2X points on groceries!

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 11.00% -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 11.00% to 18.00% APR and is based on individual creditworthiness. Rates quoted are effective August 1, 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.

Stay Safe

Enjoy a safer and more secure shopping experience now that our cards feature advanced contactless technology. Simply tap and go where you see the symbol knowing your transactions are safeguarded with an extra layer of protection against fraud.

What is contactless technology?

Contactless encryption technology ensures that each transaction generates a unique code, making it extremely difficult for fraudsters to intercept or replicate card information. Additionally, contactless payments don't require the physical card to leave your possession, reducing the risk of card skimming or cloning. This added layer of security provides peace of mind for both merchants and cardholders, safeguarding against unauthorized use and fraudulent activities.

Enjoy

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

Get started today

Apply Online
Call us at 202-318-1991 for more information
Make a Balance Transfer Request (PDF) (bring, fax or mail)

Mastercard^®

Effective DEC. 1, 2023

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Purchases Paying Interest

Mastercard:

11.00% - 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

11.00% - 18.00%

This APR will vary with the market based on the Prime Rate

Secured Mastercard:

15.00%

APR For Cash Advances

Mastercard:

11.00% - 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 August 1, 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: 11.00% 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 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)

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