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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!

smart rewardscredit card

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?
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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 April 1, 2024 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


  • 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


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 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.


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

Get started today



Effective MAY 1, 2024Print

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)