SEFCU Lightning Credit Card®

* Earn 3x points on first $1,250 of grocery purchases per quarter and 2x points on first $1,250 of online purchases per quarter. Once you have reached your maximum in a category, you will receive 1x points for those purchases for the remainder of the quarter. All other purchase categories receive 1x points every day. In order to qualify for the 2x points, the merchant must be categorized as an online merchant with Mastercard. During the promotion period of December 7, 2021 through January 31, 2022 you will earn an additional one point (1x) on qualifying purchases that were awarded one point for a total of two bonus points.

** Certain restrictions apply. See  www.mastercard.us/zero-liability 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, January 20, 2022, 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 July 1, 2020, the Prime Rate was 3.25%. Future Prime Rates and corresponding APRs will vary.

^† For double points (2x), qualifying purchases are purchases for goods and services purchased between December 7, 2021 and January 31, 2021 minus returns and other credits. Balance transfers, refunds/reversals, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, fees of any kind and ATM transactions do not qualify.  

^†† For new SEFCU Lightning credit cardholders to qualify and receive your 20,000 bonus points you must make purchase transactions that have earned at least one point totaling $2,000 or more by February 28, 2022. The account must be open by January 31, 2022 and remain open through March 31, 2022, to earn rewards. Bonus points will be awarded by March 31, 2022.

Review complete disclosures.