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SFCU Platinum Mastercard®

Stretch your dollars further by earning rewards on your credit card purchases

Earn rewards on your everyday purchases with a SFCU Platinum Mastercard. There are a variety of options for redeeming your credit card reward points, including cash back, travel, gift cards, & charity donations!


Contact Us when Traveling

Log in online to access 'Message Center' under 'Contact Us' menu. Select 'Compose' & subject 'Credit/Debit Card' to fill-in trip details. Just another way we are keeping you safe. When accessing 'Contact Us' via mobile see the 'more' option to access menus.

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Earn Rewards

Get 1% back on everyday purchases to redeem for a variety of rewards options, including cash back, travel, charitable donations, and more! Log in to Online or Mobile to access 'Rewards' link under the 'Account Services' menu to keep track of and/or redeem points.


No Annual Fees

Keep more money in your account without worrying about annual fees. It costs nothing to maintain your SFCU Platinum Mastercard.

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Instant Issue

Get your SFCU Platinum Mastercard instantly in branch, so you can start earning points right away.

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24/7 Fraud Monitoring

We'll watch your back with 24/7 fraud monitoring, so you can feel confident your card information is safe.


View rates
As low as APR*
No Fees

Skip the fees and keep more money in your account

You shouldn't be charged fees to use your credit card. That's why a SFCU Platinum Mastercard comes with zero annual fees. Use your money on more important things to help you grow, plus earn rewards!

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Points for Dollars Spent

The more you spend, the more rewards you earn!

With a SFCU Platinum Mastercard, you can earn 1% back on every dollar spent that you can redeem for great rewards. From cash back to travel expenses, use your rewards to make life more enjoyable.

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Cash Back

Turn your rewards points into cash back that can be credited to your Mastercard account balance.

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Use your points toward travel expenses and take that vacation you've always dreamed about!


Gift Cards

Transform your points into gift cards, so you can enjoy specific experiences around town or around the world!


Charitable Donations

Select a charity that has personal significance and have your points converted into a cash donation to the organizations of your choice.

Mastercard Frequently Asked Questions

  • Your security is important to us. Therefore, we ask that you notify us when vacationing or traveling to avoid disruption of service. Log in online to access ‘Message Center’ under ‘Contact Us’ menu. Select ‘Compose’ & subject ‘Credit/Debit Card’ to fill-in trip details. Just another way we are keeping you safe. When accessing ‘Contact Us’ via mobile see the ‘more’ option to access menus.

  • Spring has sprung! Get a head start on your spring cleaning by eliminating those high interest rates when you transfer your other credit card balances to your SFCU Platinum Mastercard®.


    With no annual fee, rewards on everyday purchases and competitive interest rates, there’s never been a better time to take advantage of all the benefits of your SFCU Platinum Mastercard.
    Use the easy convenience checks you may have received or speak with a rep today to apply this offer and pay off your other lenders. You’ll experience NO balance transfer fee. Plus, when you make a transfer between April 1 and May 31, 2023, you’ll receive 0% APR* until May 31, 2024, on the transferred amount! It’s one more way we’re making banking. easier. Rewards points are not earned on balance transfers.


    You can transfer the amount available on your credit line.**

    *APR = Annual Percentage Rate. 0% APR will be applied to balance transfers made between 4/1/23-5/31/23. As of 03/23/2023 Prime = 8.00%. The terms of your account, including purchase and cash advance APRs, are subject to change. Any such changes will be made in accordance with the Consumer Credit Card Agreement. When introductory period expires, APR will revert to the current variable APR. Variable APR may vary and is based on adding a margin to the Prime Rate. Variable APR will not exceed 17.95% APR. Loan approval and rates are based on creditworthiness. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal and changes are effective as of the first date of your next billing cycle. Current rates available at Offer may not be used to pay off existing Sidney FCU loans; external institutions only.

    ** Note: You are liable for any late payments, finance charges or disputed amounts on your other accounts. If your check amount exceeds your available balance, your check will be returned, and you will be responsible for any fees incurred.



  • SFCU is available to assist you with a lost or stolen SFCU Debit or Credit Mastercard 24/7.

    Call 877.642.7328 for assistance.

How it works

Apply online, by phone, or at a branch location near you

  • 1

    Apply for a card

    Complete the application.

  • 2

    Receive your card

    Once approved, we'll give you your new credit card.

  • 3

    Earn rewards

    Start earning rewards on every purchase with your card!

Apply for a SFCU Platinum Mastercard


Have a question? Get in touch with us

You're going to spend anyway. Why not earn some rewards!?

With a SFCU Platinum Mastercard, you can earn 1% back on every purchase to redeem for a variety of rewards from cash back to travel expenses.

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