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

epfcu SMART REWARDS Mastercard® Balance Transfer Intro Offer

Put Money Back in your pocket!

  • 2.99% APR* for 12 months on balance transfers (then a variable APR between 7.00% -18.00%)
  • No Balance Transfer Fees**
  • Cash advance APR is the same low rate as purchases
  • Earn 3X points on purchases on from May 1-Sept 30^



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Offer available to new cardholders only.
*APR= Annual Percentage Rate. The 2.99% introductory APR for balance transfers will apply to transactions posted to the account during the first 30 days following the opening of the account. 2.99% introductory rate will revert to the current standard rate as applicable after the promotional period, which is variable, ranging from 7.00% to 18.00% APR and is based on individual creditworthiness. Rates quoted are effective December 10, 2020 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.
^Cardholders who qualify for triple epfcu SMART REWARDS will receive 3 points for every dollar on purchases made from May 1 through September 30, 2021. Balance Transfers and Cash Advances are not eligible for the triple point bonus offer. Points will be credit to epfcu SMART REWARDS cardholder balance.
Membership eligibility required. Insured by NCUA

Save

  • 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

Earn

Get rewarded for everyday purchases! Visit epsmartrewards.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 SEPTEMBER 1, 2021Print

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:
15.00%
APR For Balance Transfers Mastercard:
2.99 % Introductory APR
for 12 Billing cycles. After that, Your APR will be
7.00% - 18.00%
This APR will vary with the market based on the Prime Rate

Secured Mastercard:
15.00%
APR For Cash Advances Mastercard:
7.00% - 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 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 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 January 1, 2021. 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: 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.
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