SEFCU Lightning Credit Card®

Overview

Rewards you'll love

The 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.

 

 

Hand holding a cell phone using a credit card

5x points* for online purchases through January 31, 2021!

Features & Benefits

Earn points on every purchase*

  • No annual fee
  • 5x points* for online purchases, 3x points for grocery purchases, 1x 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%***

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

SEFCU Lightning Credit Card®

  • No annual fee
  • 5x points* for online purchases (through January 31, 2021), 3x points for grocery purchases, 1x points for all other purchases.
  • $0 fraud liability**

SEFCU Mastercard®

  • No annual fee
  • 1% cash back on every purchase
  • $0 fraud liability

View Card

 


Apply Now

Apply for a SEFCU Lightning Credit Card® today

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More rewards

SEFCU Lightning Credit Card®

5x points* on online purchases

3x on groceries

1x on all other purchases 

View Card

More to think about...

* 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 27, 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.