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 1x points for all other purchases*.
Features & Benefits
Earn points on every purchase
Fees & Rates
|APR For Purchases and Balance Transfers||APR for Cash Advances|
|As low as 11.24%***||As low as 13.24%***|
|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®
Apply for a SEFCU Lightning Credit Card® today
3x on groceries
2x points on online purchases
1x points on all other purchases
More to think about...
Boost Your Credit Score
Secured by your Share Certificate or savings
No annual fee
Use Your Home for Extra Cash
Keep Credit Strong
Helps cover credit card bills
Protects against covered life event or disability
Products, services, terms, and conditions are subject to change without notice. All loans are subject to creditworthiness. SEFCU membership is required.
* 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.
** 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, May 17, 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.
Review complete disclosures.