SEFCU Lightning Credit Card®


Rewards you'll love

Who couldn’t use a little cash back? The SEFCU Lightning Credit Card rewards you for all your purchases, with 3%* cash back on grocery purchases, 2% on online purchase, and 1% on all other purchases.




3%* cash back on groceries!

Features & Benefits

Cash back on everything*

  • No annual fee
  • 3% back on groceries, 2% on online purchases, 1% on all other purchases
  • $0 fraud liability** protects you 24/7
  • No balance transfer fee
  • No foreign transaction fee
Lightning creditcard


Fees & Rates

Current Rates

APR For Purchases and Balance Transfers APR for Cash Advances
As low as 11.24%*** As low as 13.24%***


Item Fee
Annual Fee No fee
Balance Transfer Fee No fee
Cash Advance Fee No fee
Foreign Transaction Fee No fee
Late Payment Fee Up to $25
Returned Payment Fee Up to $25


See which card is best for you

SEFCU Lightning Credit Card®

  • No annual fee
  • 3%* cash back on groceries, 2% on online purchases, 1% on everything else
  • $0 fraud liability**

SEFCU Mastercard®

  • No annual fee
  • 1% cash back on every purchase
  • $0 fraud liability

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Apply Now

Apply for a SEFCU Lightning Credit Card® today

Current SEFCU member?

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More rewards

SEFCU Lightning Credit Card®

3% cash back on groceries

2% cash back on online purchases

1% cash back on all else


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More to think about...

*Earn 3x cash back on first $1,250 of grocery purchases per quarter and 2x cash back on first $1,250 of online purchases per quarter. All other purchase categories receive 1x cash back for all purchases every day. Once you have reached your maximum in a category, you will receive 1x cash back for those purchases for the remainder of the quarter. Cash back is one of several point redemption options. Please note there is a $5 or 500-point redemption fee associated with the cash back option.
** Certain restrictions apply. See for details.
*** Annual Percentage Rate on all credit cards is variable. Applies to purchases, balance transfers, and cash advances. Published rate assumes credit worthiness. Other rates and terms may apply. Rates accurate as of today, September 18, 2020, and subject to change without notice. The Annual Percentage Rate is subject to change quarterly to reflect any changes in the Index and will be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July, and October) as published in The Wall Street Journal “Money Rates” table to which we add a margin. The new rate will be effective with the first billing cycle of April, July, October, and January, respectively. As of May 15, 2020, the Prime Rate was 3.25%. Future Prime Rates and corresponding APRs will vary. 
Review complete disclosures.