SEFCU World™ Mastercard®


Extra perks for travel

Looking for a travel reward card? With a SEFCU World Mastercard, you earn points with every purchase. Points can be redeemed for merchandise, gift cards, cash back*, and more. Redeem points for travel, and they'll go twice as far!

plane over globe

Earn points with every purchase

Redeem for twice their value!

Features & Benefits

2x points when redeemed for travel

  • 1x points on all purchases
  • Rewards go twice as far when redeemed for travel
  • $0 fraud liability** protects you 24/7
  • No balance transfer fee
  • No foreign transaction fee
SEFCU World mastercard


Fees & Rates

Current Rates

APR For Purchases and Balance Transfers APR for Cash Advances
As low as 12.99%*** As low as 14.99%***


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 $25.00

Returned Payment Fee

Up to $25.00


See which card is best for you

SEFCU World Mastercard

  • No annual fee
  • 1x points on all purchases
  • Use rewards for travel and they’ll go twice as far
  • $0 fraud liability**

SEFCU Lightning Credit Card®

  • No annual fee
  • 3x points on groceries, 2x points on online purchases, and 1x on all other purchases
  • $0 fraud liability

View SEFCU Lightning Credit Card

Apply Now

Apply for a SEFCU World Mastercard Credit Card today

Current SEFCU member?

Apply Today

Not a member?


Convenient to use

SEFCU World™ Mastercard

1x points on all purchases
Points double when redeemed for travel

No balance transfer fee

No foreign transaction fee


View World Card

More to think about...

Products, services, terms, and conditions are subject to change without notice. All loans are subject to creditworthiness. SEFCU membership is required.
* Converting points into cash back is one of several redemption options. Please note there is a $5 or 500-point redemption fee associated with this cash back option. Cash back takes the form of a statement credit.
** Certain restrictions apply. See 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, February 2, 2023, 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 November 15, 2022, the Prime Rate was 7.00%. Future Prime Rates and corresponding APRs will vary.
Review complete disclosures here.