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

10,000 epSMART REWARDS Point Giveaway*

October – December 2020

You could win 10,000 points by simply spending $1,000 or more on your epSMART REWARDS Mastercard® through December 31, 2020.*
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New cardholders only. Learn more about epSMART REWARDS Mastercard®.
*epSMARTREWARDS cardholders qualify for 10,000 points drawing by performing one or more transactions with their credit card between October 1st through December 31, 2020. Drawing will be held from all qualified cardholders on or before January 8, 2021, and points will be awarded after the drawing is held and confirmation of eligibility has been made. For a communication identifying the winner of the prize, send a stamped, self-addressed envelope to EPFCU at PO Box 23393, Washington, DC 20026. Credit card applications are subject to terms, conditions and credit approval. Full terms and conditions. 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 epSMART REWARDS card.

Enjoy

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

Get started today


 

Mastercard®

Effective OCT 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:
15.00%
APR For Balance Transfers Mastercard:
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 March 23, 2020. 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. 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.
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