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UNLOCK MORE

REWARDS

Elevate your everyday purchases
with an EFCU credit card.

Learn More
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UNLOCK MORE REWARDS

Elevate your everyday purchases with an EFCU credit card.

Ready to level up your spending game?

EFCU credit cards are here to make your everyday purchases more rewarding. With a variety of cards to choose from, you can earn points, cashback, or travel miles on everything from groceries to vacations. Plus, enjoy the peace of mind that comes with our top-notch security features.

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  • Earn Rewards: Choose the card that fits your lifestyle and earn on every swipe.
  • Security & Convenience: Enjoy added security features and convenient online tools to manage your account.
  • Flexible Options: Find the card with the rewards program and benefits that fit your spending habits.
  • Easy Application: Apply online in minutes and get a quick decision.
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Platinum Card

  • Low Introductory APR: Enjoy a 0% introductory APR for 18 billing cycles on purchases and balance transfers.
  • Flexible Payment Options: Pay in full or over time to fit your budget.
  • No Annual Fee: Simple and straightforward, no hidden costs.
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Everyday Rewards+ Card 

  • Earn More: Earn up to 4X points on dining, 2X points on groceries and gas, and 1X points on all other eligible purchases.
  • Welcome Bonus: Earn 15,000 bonus points when you spend $500 in the first 90 days.
  • Flexible Rewards: Redeem your points for cash back, gift cards, travel, and more.
  • No Annual Fee: Enjoy all these benefits without paying an annual fee.
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Max Cash Preferred Card 

  • Flexible Rewards: Choose 2 categories to earn 5% cash back, plus 2% on another category and 1% on all other purchases.
  • Welcome Bonus: Earn a $150 bonus when you spend $500 in the first 90 days.
  • Low Introductory APR: Enjoy a 0% introductory APR on balance transfers for 12 billing cycles.
  • No Annual Fee: All the cash back at no extra cost.
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Travel Rewards+ Card

  • Premium Rewards: Earn 4X points on travel, gas, and entertainment.
  • Welcome Bonus: Earn 25,000 bonus points when you spend $2,000 in the first 120 days.
  • Flexible Rewards: Redeem points for travel, cash back, merchandise, and gift cards.
  • Annual Fee: $0 introductory annual fee for the first 12 months. After that, $99.
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Reserve Rewards+ Card

  • Exclusive Rewards: Earn 6X points on travel booked directly through the Rewards Center.
  • Welcome Bonus: Earn 50,000 bonus points when you spend $4,500 in the first 90 days.
  • Premium Benefits: Enjoy exclusive perks and privileges.
  • Annual Fee: $390
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College Real Rewards Card

  • Earn Rewards: Earn 1.5 points on every dollar spent.
  • Welcome Bonus: Get 2,500 bonus points after your first purchase.
  • Flexible Rewards: Redeem points for travel, cash back, merchandise, and gift cards.
  • No Annual Fee: Enjoy these benefits without paying an annual fee.
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Max Cash Secured Card

  • Flexible Rewards: Choose 2 categories to earn 5% cash back, plus 2% on another category and 1% on all other purchases.
  • Credit-Building Tool: Improve your credit score with responsible use.
  • No Annual Fee: Enjoy these benefits without paying an annual fee.
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Secured Card

  • Credit Building: Establish or improve your credit history.
  • Financial Flexibility: Enjoy the convenience of credit.
  • Enjoy these benefits without paying an annual fee.
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Ready to take the next step?

Apply today and start enjoying the benefits of an EFCU credit card.

Apply Now

Questions about our credit cards? Give us a call at 775.738.4083 and we'll be happy to help.

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Elan Financial Services may change APRs, fees, and Account terms in the future as outlined in the Cardmember Agreement and applicable law. Subject to credit approval. Rewards are earned on eligible net purchases, which exclude credits, returns, and certain transactions such as advances, balance transfers, and fees. Program terms are subject to change, and rewards may be forfeited if the Account is closed or ineligible. See your Cardmember Agreement for full details.