Last Updated: 07/28/2025
EFCU Financial FCU MasterCard® Platinum Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
9.50% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Fixed APR)
N/A
Credit Score Range
N/A
Annual Fee
$0
EFCU Financial FCU MasterCard® Platinum Credit Card Review
This is a secured credit cashback credit card issued by EFCU Financial Federal Credit Union. If you're wondering whether EFCU Financial FCU MasterCard® Platinum Credit Card is the right card for you, read on.
Key Takeaways
- APRs: EFCU Financial FCU MasterCard® Platinum Credit Card has a fixed purchase APR that ranges from 9.50% up to 18.00%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1.0% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
Pros & Cons of EFCU Financial FCU MasterCard® Platinum Credit Card
| The Good | The Bad |
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EFCU Financial FCU MasterCard® Platinum Credit Card FAQ
Does EFCU Financial FCU MasterCard® Platinum Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does EFCU Financial FCU MasterCard® Platinum Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does EFCU Financial FCU MasterCard® Platinum Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the EFCU Financial FCU MasterCard® Platinum Credit Card benefits?
EFCU Financial FCU MasterCard® Platinum Credit Card provides the following benefits:
- Extended Warranty Protection
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for EFCU Financial FCU MasterCard® Platinum Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.EFCU Financial FCU MasterCard® Platinum Credit Card has a fixed purchase APR that ranges from 9.50% up to 18.00%. EFCU Financial FCU MasterCard® Platinum Credit Card does not offer balance transfers.
Does EFCU Financial FCU MasterCard® Platinum Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. EFCU Financial FCU MasterCard® Platinum Credit Card does not offer balance transfers.Does EFCU Financial FCU MasterCard® Platinum Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for EFCU Financial FCU MasterCard® Platinum Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does EFCU Financial FCU MasterCard® Platinum Credit Card have a foreign transaction fee?
EFCU Financial FCU MasterCard® Platinum Credit Card charges a foreign transaction fee of up to 1.0%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for EFCU Financial FCU MasterCard® Platinum Credit Card?
The customer service number for EFCU Financial FCU MasterCard® Platinum Credit Card is (225) 214-6800.
What is the support contact email for EFCU Financial FCU MasterCard® Platinum Credit Card?
The support contact email for EFCU Financial FCU MasterCard® Platinum Credit Card is community@efcufinancial.org.
How do people rate the customer service and user experience of EFCU Financial FCU MasterCard® Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does EFCU Financial FCU MasterCard® Platinum Credit Card report your account activity to credit bureaus?
Yes, EFCU Financial FCU MasterCard® Platinum Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does EFCU Financial Federal Credit Union perform a hard credit pull?
Yes, EFCU Financial FCU MasterCard® Platinum Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for EFCU Financial FCU MasterCard® Platinum Credit Card
- Visit the website of EFCU Financial FCU MasterCard® Platinum Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed
Other Services by EFCU Financial Federal Credit Union
Home Equity Lines of Credit
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Purchase APR
N/A
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
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