SEFCU Lightning Credit Card®

Overview

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*, 1x points for all other purchases*.

 

 
Hand holding a cell phone using a credit card

Features & Benefits

Earn points on every purchase

  • No annual fee
  • 3x points for grocery purchases*, 2x points for online 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
  • 3x points for grocery purchases*, 2x points for online purchases*, 1x points for all other purchases*.
  • $0 fraud liability**

SEFCU Mastercard®

  • No annual fee
  • 1x points 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®

3x on groceries

2x points on online purchases

1x 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.
** 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, October 18, 2021, 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.