Spend $500. Earn $100.
When you open a new SFCU Platinum Mastercard ® by Nov. 30, 2026!*
Earn $100!
Earn $100 Statement Credit – Spend just $500 in the first 60 days on your new SFCU Platinum Mastercard® and get rewarded!
Earn Rewards
1% back on everyday purchases for rewards like cash back, travel, and more! Log in and go to 'Rewards' under 'Account Services' or call 866-903-9593.
No Annual Fees
No annual fee on your SFCU Platinum Mastercard makes it easy to come out ahead, regardless of your spending.
Instant Issue
Get your SFCU credit card 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
Rates
View ratesThe 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.
Want to access your rewards details? Login to Online Banking and select 'Rewards' from the 'Account Services' menu. (see 'more' when in mobile) or select the rewards link below to learn more, or call 866-903-9593.
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.
Increase Your Limit
Holiday expenses can stretch your budget, but we've got your back. Apply for a credit limit increase and put your good credit habits to work for you. Santa's not the only one who rewards good behavior.
Card Control
Ready for an easier way to manage your Credit and Debit Cards? Our card experience gives you more control, convenience, and safety. Turn your card on/off 24/7, add travel notes, activate cards instantly, view clearer transaction info, and enjoy robust fraud protection—all from one convenient place. Log in to your SFCU account to get started TODAY!
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*Sidney Federal Credit Union (SFCU) Platinum Mastercard® Promotional Offer Terms and Conditions
Promotion Period:
The spend $500 and earn a $100 statement credit promotion (“Promotion”) is valid from October 1, 2026, through November 30, 2026 (“Promotion Period”).Eligibility:
- This Promotion is available to new SFCU Platinum Mastercard® cardholders only.
- To qualify, the cardholder must apply for, be approved and have a funded SFCU Platinum Mastercard® during the Promotion Period.
Earning the Statement Credit:
- Member must make purchases totaling at least $500 within the first 60 days from the account open date (“Qualifying Period”).
- Only net purchases (purchases minus returns and other credits) made with the new SFCU Platinum Mastercard® during the Qualifying Period will count toward the $500 spending requirement.
- Balance transfers, cash advances, fees, interest charges, and unauthorized or fraudulent transactions do not count toward the spending requirement.
- Only one statement credit will be issued per new cardholder, regardless of the number of coborrowers or authorized signers on the account.
- In the event the borrower’s spending exceeds the $500 required minimum no additional credit amounts will be issued.
- The cut-off time for purchases to qualify is 7:00 PM Eastern on January 31, 2027, and February 28, 2027
Statement Credit Fulfillment:
- Once the member meets the spending requirement, a $100 statement credit will be applied on the last day of the month, of the qualifying period (January 31, 2027, and February 28, 2027) after 7:00 PM Eastern.
- The credit will be applied toward the existing principal balance and will not be issued as cash, check, or other form of payment.
- The account must be open, in good standing, and not delinquent at the time the statement credit is applied.
Additional Terms:
- SFCU reserves the right to modify, suspend, or terminate this Promotion at any time without notice.
- If the account is closed before the statement credit is applied, the credit will be forfeited.
Contact Information:
For any questions regarding this Promotion, please contact SFCU Member Services at 877-642-7628 or visit www.sfcuonline.org/holidaymastercardpromo.
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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 - Consumer
| Type of Card | APR (Variable Rate) as low as | Maximum APR (Variable Rate) | Annual Fees |
|---|---|---|---|
| Mastercard® Platinum | 13.750% | 17.95% | None |
Rates effective as of: October 13, 2026
APR = Annual Percentage Rate.
Credit Union membership is required with a $5 minimum deposit.
Variable APR based on Index/10-year U.S. treasury rate and applicable Margin (ranging from 8.80% - 18.55%).
The above rates and credit limit are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for.
The rate for foreign transaction fees is 1% of each transaction in U.S. Dollars.
Minimum payment for Platinum Mastercard is 2.00% of statement balance or $25.00 (whichever is greater).
Rates are subject to change without notice.
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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Let's Get Started!
Not a Member?
We’d love to welcome you to the SFCU family! Getting started is easy – just click the link below to begin opening your account.
Already a Member?
Head over to online or mobile to add a new product. See ‘Applications’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.
Let's Get Started!
Not a Member?
We’d love to welcome you to the SFCU family! Getting started is easy. Just click the link below to begin opening your account.
Already a Member?
Head over to online or mobile to add a new product. See ‘Applications’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.
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