OverviewRewards you'll loveThe SEFCU Lightning Credit Card rewards you for all your purchases with with 5x points* for online purchases (through January 31, 2021), 3x points for grocery purchases, and 1x points on all other purchases.
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 5x points* for online purchases through January 31, 2021! |
Features & BenefitsEarn points on every purchase*
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Fees & Rates
Current Rates
| APR For Purchases and Balance Transfers | APR for Cash Advances |
|---|---|
| As low as 11.24%*** | As low as 13.24%*** |
Fees
| 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 |
Compare
See which card is best for you
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SEFCU Lightning Credit Card®
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SEFCU Mastercard®
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Apply for a SEFCU Lightning Credit Card® today
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* Earn 5x points on online purchases through January 31, 2021 and 3x points on first $1,250 of grocery purchases per quarter. All other purchase categories receive 1x points for all purchases every day. Once you have reached your maximum in a category, you will receive 1x points for those purchases for the remainder of the quarter. Beginning February 1, 2021 you will earn 2x points on first $1,250 of for online purchases per quarter.
** 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, November 23, 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.