SEFCU Lightning Credit Card®


Rewards you'll love

The SEFCU Lightning Credit Card rewards you for all your purchases with 3x points for grocery purchases*, 2x points for online purchases*, and from December 7, 2021 through January 31, 2022, 2x points for all other purchases.


Open a SEFCU Lightning Credit Card before January 31, 2022 and earn 20,000 bonus points when you spend $2,000 by February 28, 2022††

Log into online banking or the Mobile app and click "My Offers" to see if you have been pre-approved for a SEFCU credit card. If not, click the "Apply Today" button below!

Hand holding a cell phone using a credit card


Features & Benefits

Earn 20,000 bonus points when you spend $2,000 by February 28, 2022††

  • No annual fee
  • 3x points for grocery purchases*, 2x points for online purchases*, 2x points for 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
  • 3x points for grocery purchases*, 2x points for online purchases*, 2x points for all other purchases.
  • $0 fraud liability**

SEFCU Mastercard®

  • No annual fee
  • 2x points on every purchase
  • $0 fraud liability

View Card


Apply Now

Apply for a SEFCU Lightning Credit Card® today

Current SEFCU member?

Apply Today

Not a member?


More rewards

SEFCU Lightning Credit Card®

3x points on groceries

2x points on online purchases

2x points on all other purchases 

View Lightning Card

More to think about...

* 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 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.