Skip to content

Mastercard®

Low Rates. Big Rewards. No Hidden Fees.

Take your purchasing power to the next level with the EFCU Financial Platinum Mastercard®. Enjoy competitive low interest rates and Rewards Points redeemable for 1% cash back on every purchase! Whether you're making everyday purchases, booking travel, or managing expenses, enjoy the power of a secure, rewarding credit card.

Why Choose the EFCU Financial Platinum Mastercard®?

No annual
fee
No cash advance fee
Low interest rates
Reward
Points 
Price Protection
24/7 account access
Fraud text alerts
Protection Plus

Platinum Mastercard®

Secured Mastercard®

Enjoy all the benefits of a credit card designed with you in mind! Our Mastercard® Platinum Credit Card offers competitive rates and valuable perks to make your spending smarter and more rewarding. Whether you're making everyday purchases or planning for bigger expenses, you’ll love features like no annual fee, low interest rates, and reward points on every purchase, plus added protections for peace of mind.

  • No annual fee
  • No cash advance fee
  • Low interest rates
  • Reward Points on all purchases
  • Price Protection
  • Convenient 24/7 account information through your EFCU Financial Online Banking login
  • Fraud text alerts
  • Protection Plus

If you’re looking to establish your credit history or rebuild your credit, our Mastercard® Platinum Secured Credit Card is for you! With funds backed by your EFCU Financial savings account, you'll enjoy a secured credit card with a low, fixed rate.

  • No credit check required
  • Line of credit is based on your deposit balance ranging from between $500 and $1,000
  • Reports to major consumer reporting agencies to help establish or rebuild your credit
  • Earn dividends on your savings while building your credit
  • No annual fee
  • No cash advance fee
  • Low interest rates
  • Reward Points on all purchases
  • Price Protection
  • Convenient 24/7 account information through your EFCU Financial Online Banking login
  • Fraud text alerts
  • Protection Plus

Show Your Jaguar Pride!

Carry your Southern spirit everywhere you go with the EFCU Financial Platinum Mastercard®, now available with an exclusive Southern University design.

Apply Today & Start Earning Rewards!

Make every purchase more rewarding

Earn rewards every time you use your EFCU Financial Platinum Mastercard®! Get points redeemable for 1% cash back, merchandise, or gift cards to your favorite retail stores, hotels, and restaurants.

Protections for you and your wallet:

Shop Confidently with Price Protection

Our credit card offers Price Protection, letting you shop confidently. If you find an item you purchased advertised at a lower price within 120 days, you may be eligible for a refund of the price difference, up to $250 per claim (four claims per year). Simply use your card for the purchase, locate the lower-priced advertisement, and submit a claim with your receipt and ad details. This benefit applies to items bought with your card, including gifts. For full details or to file a claim, contact 1-800-MasterCard.


Play it Safe with Protection Plus.

Protection Plus* is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements ease the enrollment process.

*Protection Plus is a debt protection product offered by EFCU Financial. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact an EFCU Financial loan officer for additional information on benefit maximums, eligibility, limitations, and a copy of your contract.

Access Your Mastercard® Account

Easy access to your Mastercard® Account is available in Online Banking.


Download the App

Download on the App Store Logo Android App on Google Play Logo


Approval is based on creditworthiness.
Rates are subject to change.
Membership is required to apply.