Enjoy all the benefits, features and low rates that come with our Mastercard® Platinum & Platinum Rewards credit cards.
apply for a Platinum Mastercard® apply for a Platinum Rewards Mastercard®Enjoy all the benefits and features that come with our lowest rate credit card.
All of our credit cards include the following features:
Get the Eglin FCU Platinum Rewards Mastercard and enjoy a low rate while earning points towards travel, merchandise, cash back and more. Earn 1 point for every $1 spent. From fuel to groceries to meals out, your everyday purchases will really pay off!
Rewards Program Features Include:
Our Mastercard Platinum Credit Card has an Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances as low as 7.9% up to 14.9%. The APR is determined at account opening and is based on the borrower's credit score. There is no penalty APR or minimum interest charge. Payment due dates are at least 24 days after the close of each billing cycle. We will not charge interest on purchases if the entire balance is paid by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Rates given are current as of Wednesday, September 18, 2024 and are subject to change.
| Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances | as low as 7.9% up to 14.9% The APR is determined at account opening and is based on the borrower's credit score. |
| Penalty APR | None |
| Paying Interest | Your due date is at least 24 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
Our Mastercard Platinum Credit Card has no annual fee, no balance transfer fee, no cash advance fee and no international transaction fee. The late payment fee is $20 or the amount of the required minimum payment, whichever is less, if you are 12 or more days late in making a payment. The returned payment fee is up to $28. There is no over-the-credit-limit fee. It is important to note that while there is no cash advance fee, interest rates will begin accruing the same day the advance is made.
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advance | None |
| International Transaction | None |
| Penalty Fees | |
| Late Payment | $20 or the amount of the required minimum payment, whichever is less, if you are 12 or more days late in making a payment. |
| Over-the-Credit-Limit | None |
| Returned Payment | Up to $28.00 |
Our Mastercard Platinum Rewards Credit Card has an Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances as low as 8.9% up to 15.9%. The APR is determined at account opening and is based on the borrower's credit score. There is no penalty APR or minimum interest charge. Payment due dates are at least 24 days after the close of each billing cycle. We will not charge interest on purchases if the entire balance is paid by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Rates given are current as of Wednesday, September 18, 2024 and are subject to change.
| Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances | as low as 8.9% up to 15.9% The APR is determined at account opening and is based on the borrower's credit score. |
| Penalty APR | None |
| Paying Interest | Your due date is at least 24 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
Our Mastercard Platinum Rewards Credit Card has no annual fee, no balance transfer fee, no cash advance fee and no international transaction fee. The late payment fee is $20 or the amount of the required minimum payment, whichever is less, if you are 12 or more days late in making a payment. The returned payment fee is up to $28. There is no over-the-credit-limit fee.
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advance | None |
| International Transaction | None |
| Penalty Fees | |
| Late Payment | $20 or the amount of the required minimum payment, whichever is less, if you are 12 or more days late in making a payment. |
| Over-the-Credit-Limit | None |
| Returned Payment | Up to $28.00 |
Eglin FCU will notify you via text, email, and/or phone if we suspect any unauthorized transactions on your Eglin FCU Mastercard.
Thank you for choosing Eglin FCU and generously working alongside us to keep your information safe.
Beware of phishing attempts. Eglin FCU will not ask you to give out any personal information via text or email. If you question the validity of a transaction authorization alert pertaining to your Eglin FCU account, please contact us. Credit card transaction authorization alerts via text message are a complimentary service offered by EFCU. You are, however, subject to any text message charges or data charges from your cell phone carrier.
If an unauthorized transaction has already posted to your account, you may file a dispute by visiting a local branch or by calling us at 850.862.0111 (option 1) during business hours.
If you are looking to increase your spending limit, you may request a credit limit increase on your Platinum or Platinum Rewards Mastercard® by visiting a branch or you may apply online. If applying online, select "Platinum Mastercard - Limit Increase" or "Rewards Mastercard - Limit Increase" as the loan type. Please note: A hard credit inquiry may be required to process your request for a credit limit increase.
request a credit limit increase
To report a lost or stolen card, give us a call at 850.862.0111 and select option 1.
(all hours)
850.862.0111 option 1
800.367.6159 option 1
To activate your credit, debit or ATM card within the USA call 866.762.0558, if you are outside the continental US please call 501.588.7531. To change your credit, debit or ATM card PIN within the USA call 866.762.0558, if you are outside the continental US please call 501.588.7531.
(all hours)How do I apply for the Platinum or Platinum Rewards Mastercard?
To apply for the Platinum Mastercard credit card or Platinum Rewards Mastercard credit card, you can either visit a local branch during business hours or apply online by clicking the respective link on our Mastercard page.
How do I redeem my reward points?
If you have online account access, you may redeem your reward points by clicking the Rewards link inside of online banking and the mobile app. If you do not have online account access you may redeem rewards points by visiting and logging into https://www.dreampoints.com/eglinfcu/.
Exclusive to the Platinum Rewards Mastercard®, rewards are available and can be earned with every qualifying purchase. Please note that only the Platinum Rewards Mastercard accumulates points for reward redemption and the Platinum Mastercard® does not.
How do I get a replacement credit card?
To request a replacement credit card please visit any of our branches during normal business hours to receive a card the same day. You may also request a card by mail by visiting the forms page on our website and selecting “Request a Replacement Credit Card” to complete an application through DocuSign.
How do I dispute or report transactions on my credit card that I did not make?
If you notice any unauthorized transactions in your transaction history or your monthly statement, please contact us by visiting a branch or calling 850.862.0111 and selecting option 1 during normal business hours.
Can I stop a payment on my credit card?
Once a transaction has a valid pre-authorization, we are unable to prevent that charge from being posted. A dispute can be made against the charge after it posts to the account.
Can I lower the interest rate on my credit card?
If you do not have our lowest interest rate on our Platinum or Platinum Rewards Mastercard and your credit score has improved significantly since you first applied for your Mastercard at Eglin FCU, you may be eligible for a lower interest rate on your credit card. To request a reduction to your current rate, please contact us by phone at 850.862.0111 (option 1) or visit a local branch during business hours. Please note: Requesting a rate reduction on your Eglin FCU credit card will involve a hard pull inquiry on your credit and there is a possibility you may still not be eligible for a lower rate.
If you're looking to reduce the interest rate on your Mastercard with Eglin FCU and your credit score has significantly improved since you first received your card, you may qualify for a lower rate. To initiate a rate review, please call Eglin FCU at 850.862.0111 and select option 1, or visit a local branch during business hours. Keep in mind, this request will require a hard credit inquiry and does not guarantee a rate reduction.
Do you offer secured credit cards?
We do not currently offer secured credit cards or secured credit-builder cards.
How many different credit cards do you offer?
We offer two types of credit cards, the Platinum Mastercard and the Platinum Rewards Mastercard.
We offer two kinds of unsecured credit cards, the Platinum Mastercard and the Platinum Rewards Mastercard. We offer two unsecured credit cards, the Platinum Mastercard and the Platinum Rewards Mastercard. We do not offer credit cards for business accounts, nor do we offer business accounts.
Can I get both the Platinum Mastercard and the Platinum Rewards Mastercard?
Each account is limited to only one type of credit card, but you have a great choice to make! You can select either the Platinum Mastercard or the Platinum Rewards Mastercard. Whichever you choose, you’ll enjoy excellent benefits.
I am having trouble paying my credit card bill, can you help me?
If you're having difficulty making payments on your Eglin FCU Mastercard, please reach out to us. We're here to help you explore available options to get your finances back on track. By discussing a payment plan for overdue credit cards with us, you can maintain good communication and make regular payments, which will help prevent account closures and charge-offs. Give us a call at 850.862.0111 (option 4) or visit a local branch during business hours.
What do I do if my card is malfunctioning?
If your card is damaged or malfunctioning, you can request a replacement by visiting any branch location for same-day service or by completing the required form online on our Applications and Forms page.
My card is being replaced or renewed, will the PIN be the same?
When you call to activate your new card you will select your new PIN. You may choose the same PIN you were using before if you like. You may change your PIN at any time by calling 866.762.0558.
How do add another cardholder to my account?
To add another cardholder to your account, please contact us by calling 850.862.0111 (option 1) or by visiting one of our branch locations during business hours.
Why was my transaction denied?
If your credit or debit card transactions are being declined, or if you have specific questions regarding the status of your card, please call us at 850.862.0111 and select option 1 for assistance during business hours.
How do I dispute a transaction?
If you need to dispute a transaction or would like more information about the dispute process, please contact us by visiting any branch location or by calling 850.862.0111 (option 1) during business hours.
I am planning to travel soon, is there anything I should do to ensure my card will still work while I am out of town?
To avoid interruptions to your Eglin FCU Debit or Credit card services while traveling abroad or making international transactions, we recommend completing a travel notification form. You can fill out the Travel Notification form online at eglinfcu.org/forms. Alternatively you can visit any branch location, or call 850.862.0111 (option 1) during business hours to request and submit a Travel Notification form. For more information, please contact us at 850.862.0111 (option 1) or visit any branch location during business hours.
Can I use my Eglin FCU debit or credit card while I am overseas?
Our Debit and Credit cards may be used internationally for transactions and cash withdrawals. Please be mindful of exchange rates which can fluctuate due to various factors like economic conditions, interest rates, and geopolitical events. Before you travel, we recommend you submit a travel notification form to prevent interruption of service. The Travel Notification form can be found on our website at eglinfcu.org/forms. If you have any further questions, please don't hesitate to contact us.
What is a currency exchange rate?
A currency exchange rate represents the value of one currency in terms of another. It tells you how much of one currency you can get in exchange for a unit of another currency. For example, if the exchange rate between the US Dollar (USD) and the Euro (EUR) is 0.92, it means that 1 USD is equivalent to 0.92 EUR. Exchange rates fluctuate due to various factors like economic conditions, interest rates, and geopolitical events.
Do you offer gift cards?
No, we do not currently offer gift cards.
What is the difference between a compromised card and a data breach?
A compromised card occurs when an individual's credit or debit card information is stolen or fraudulently used by someone without authorization. A data breach involves the unauthorized access of personal information from a company's database.
What is the difference between a debit card and a credit card?
A debit card is directly linked to the available funds in your checking account and allows you to withdraw money or make purchases without borrowing. In contrast, a credit card provides a credit line that you can borrow against. You pay later, but interest applies if the balance isn’t paid within the grace period.
Do you offer custom card designs?
We only offer one standardized card design for each card type at this time.
There are a variety of reasons your card may be blocked. If your card has been blocked please reach out to us so that an Eglin FCU representative may assist you.
Routing Number: 263178070
*APR = Annual Percentage Rate.
