MasterCard Credit Card

SEFCU MasterCard® Credit Cards!

With a SEFCU MasterCard Credit Card you can enjoy enhanced benefits, chip technology, Apple Pay™, rewards that you can earn for using your card, and much more!

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Frequently Asked Questions

Enhanced benefits

Q. What benefits will I enjoy with my new MasterCard Credit Card?

A. There are a number of benefits associated with the MasterCard Credit Card. Use the chart above to learn which benefits you can take advantage of with your new card.


Q. What rewards can I earn with my new MasterCard Credit Card?

A. Every time you use your SEFCU MasterCard Credit Card you'll earn one point for every $1 that you spend. Points can be redeemed for travel, merchandise, cash back, and much more. See the chart below for a sample of what you can earn depending on how much you spend with your SEFCU MasterCard Credit Card.

Reward Categories SEFCU MasterCard with $20,000 spend you'll earn: SEFCU World MasterCard with $20,000 spend you'll earn:
Travel $200 $400
Gift Cards $150 $170
Merchandise $150 $170
Cash Back $200 $200

Q. How do I check my Preferred Points balance?

A. You can log in to SEFCU OnLine to check your balance and redeem points.

Q. Do the new Preferred Points I earn with my MasterCard expire?

A. No, points earned with your new MasterCard never expire so you can cash them in as you go along or continue to accumulate them and redeem them for a really big reward.

Enhanced technology

Q. What is chip technology?

A. The card's chip contains encrypted information that makes it extremely difficult for the card to be copied or counterfeited. Chip technology is currently the standard in 80 countries around the world and it has now come to the United States.

Q. Does chip technology change how I use my card?

A. You can still use your card online and at retailers to pay for purchases. When using your card at a merchant that has a chip-friendly reader, you will place your card inside the reader for the duration of the transaction. If the chip reader isn't available, you will swipe your card as you do now.

Q. What about Apple Pay™?

A. You can use Apple Pay as soon as you receive and activate your MasterCard Credit Card. Once your MasterCard is activated follow the instructions to add it to Apple Pay.

World MasterCard

Q. What is the difference between a SEFCU MasterCard and a SEFCU World MasterCard?

A. Both cards come with low Annual Percentage Rates, great benefits, and rewards. As you can see from the chart above, there are some additional benefits to the SEFCU World MasterCard, most having to do with travel.

Q. How do I get a SEFCU World MasterCard?

A. Because there are no fees associated with the upgraded card, it is being provided by invitation only. Members will be automatically considered for a SEFCU World MasterCard based on several factors including credit history and an average spend of $10,000/year with the SEFCU MasterCard.

Apply for a MasterCard Credit Card Today

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