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.
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.
Instant Issue
Get your SFCU Platinum Mastercard instantly in branch, so you can start earning points right away.
24/7 Fraud Monitoring
We'll watch your back with 24/7 fraud monitoring, so you can feel confident your card information is safe.
And more
View all featuresRates
View ratesSkip 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!
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.
Cash Back
Turn your rewards points into cash back that can be credited to your Mastercard account balance.
Travel
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.
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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.
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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 https://sfcuonline.org/cards/platinum-mastercard. 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.
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SFCU is available to assist you with a lost or stolen SFCU Debit or Credit Mastercard 24/7.
Call 877.642.7328 for assistance.
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1
Apply for a card
Complete the application.
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2
Receive your card
Once approved, we'll give you your new credit card.
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3
Earn rewards
Start earning rewards on every purchase with your card!
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.
SFCU Rewards Credit Card Rates
| Type of Card | Min APR | Max APR | Annual Fees |
|---|---|---|---|
|
Platinum (Variable Rate) |
12.65% |
17.95% |
None |
as of 2/23/23
Variable APR based on Index/Prime Rate (8.00%) and applicable Margin (ranging from 4.65% - 10.65%).
Membership required. Loans approval based on creditworthiness. APR = Annual Percentage Rate.
Features
Low interest rates
Save money with lower interest rates compared to many other credit cards.
Contactless payment
Enjoy safe and secure checkout with tap-to-pay contactless payment abilities.
No balance transfer fees
Swap your existing credit card balance to your new SFCU Rewards Card without balance transfer fees.
Easy payment options
Pay in a way that works for you with a variety of easy payment options.
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Rates Effective as of: April 2, 2023
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