Big rewards, low rates and no balance transfer fees. It's the only card you need!
Between November 1 and December 31, your EPFCU SMART REWARDS Mastercard® gives you 2X points on all purchases and 4X points on groceries. Redeem points for travel, gift cards, or merchandise. Don’t have our card? Get yours now!^
See Full Account Rates, Terms & Fees
^Cardholders who qualify for epfcu SMART REWARDS will receive double points per all qualifying purchases from November 1, 2025 – December 31, 2025 and quadruple points per all qualifying grocery purchases. Qualifying 4X points SIC/CAT Code(s) Merchant Category Codes are 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 impact the number of points you earn. All double and quadruple points will be credited to your epfcu SMART REWARDS cardholder balance within 60 days of the qualifying purchase(s). Not all applicants will be approved.
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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.
Your purchases earn rewards that give back in more ways than one. View your rewards point balance and redeem points for gift cards, merchandise, travel, experiences, or even donations to causes you care about.
Enjoy a safer and more secure shopping experience with contactless technology. Simply tap and go where you see the symbol knowing your transactions are safeguarded with an extra layer of protection against fraud.
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.
| Interest Rate and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases Paying Interest | Mastercard: 9.25% – 18.00% This APR will vary with the market based on the Prime Rate Secured Mastercard: 15.00% |
| APR For Balance Transfers | Mastercard: 9.25% – 18.00% This APR will vary with the market based on the Prime Rate Secured Mastercard: 15.00% |
| APR For Cash Advances | Mastercard: 9.25% – 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 charge you 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 |
| *APR = Annual Percentage Rate. Standard variable APR: 9.25% 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. Not all applicants will be approved. **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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