Looking for a simple, straightforward credit card? Enjoy a low interest rate and absolutely no annual fees. Plus, you may be eligible to receive 9.9% APR* for life on balance transfers made within 90 days of account opening.
 

Key features:

  • Feature
    No annual fee
  • Feature
    No balance transfer fee

Additional credit card benefits

  • Feature
    Apple Pay
  • Feature
    Google Pay
  • Samsung Pay
    Samsung Pay
  • Fraud Protection
    Fraud Protection
  • Text Alerts
    Text Alerts
  • Free Online Banking
    Free Online Banking
  • Free Mobile Banking
    Free Mobile Banking

It's better with EECU

Here are a few reasons why having a credit card with EECU is friendlier, easier, and more enjoyable.

Understanding credit cards

Being informed means you’re empowered to make smart financial decisions. And by making smart financial decisions, you’ll avoid common mistakes, save more, and invest better. These online courses help you better understand how credit cards work and best practices for paying off debt.

Credit Card Literacy

Credit Card Resource Center

Use your Platinum Plus card with confidence! Find common support topics and solutions, plus important program details.

Visit the Resource Center
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SPECIAL OFFER FOR YOU

Save 2% today!

With EECU's Auto Refinance Loan, we'll beat your current auto loan rate by 2%. You can lower your monthly car payment and save hundreds - or even thousands of dollars on interest over the life of the loan. Plus there's no application fees!

Learn More

SPECIAL OFFER FOR YOU

Personal Loan as low as 7.99% APR*

Need a little extra for that perfect vacation? Or maybe you're paying too much on your credit cards? An EECU Personal Loan, with a rate as low as 7.99% APR*, could help you save thousands.

*Click to Learn More

SPECIAL OFFER FOR YOU

$0 Down Mortgage

Our $0 down mortgage allows you to own the home you want, without the stress of finding the down payment.

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Real members. Real stories.

We recently visited the Arlington branch to open a new checking account for my husband. Not only was our banker, very helpful, he was expedient and caring. We have always had good service at EECU and this time was no exception. They helped with the checking and suggested a new credit card to help save money on interest. EECU exceeded our expectations!

Pam Mangione
Member Since 2012

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* EECU Platinum Plus Mastercard® APR = Annual Percentage Rate. Rate is effective as of September 2, 2019. 9.9% APR is only available for qualified applicants based on creditworthiness made within ninety (90) days from the anniversary date of account opening4. This APR will be nonvariable. Otherwise, 17.99% APR will apply for Balance Transfers. This APR will be nonvariable. Balance Transfers made ninety-one (91) days or more from the anniversary date of account opening will be made at the standard Balance Transfer APR (11.99% to 17.99%). This APR will be based on your creditworthiness and will vary with the market based on the Prime Rate2,3. All offers subject to EECU lending policies and credit approval. This limited-time offer is subject to change at any time without notice. By applying, you certify that all information provided by you at the time of acceptance is true, correct, and complete and that you are (a) at least 18 years of age and legally able to enter into a contract for the extension of credit and (b) a U.S. citizen or permanent resident. Cardholder benefits are subject to change without notice.

Important Account Terms
EECU Platinum Plus Mastercard®1
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 11.99% to 17.99% This APR will be based on your creditworthiness and will vary with the market based on the Prime Rate.2,3
APR for Balance Transfers 9.9% APR for Balance Transfers for qualified applicants based on creditworthiness made within ninety (90) days from the anniversary date of account opening4. This APR will be nonvariable. Otherwise, 17.99% APR will apply for Balance Transfers. This APR will be nonvariable.

11.99% to 17.99% APR for Balance Transfers made ninety-one (91) days or more from the anniversary date of account opening. This APR will be based on your creditworthiness and will vary with the market based on the Prime Rate2,3.
APR for Cash Advances 17.99%
How to Avoid Paying Interest on Purchases Your due date is at least 25 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. You will begin charging me interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the
Consumer 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
Fees
Annual Fee None
Transaction Fees
 - Foreign Transaction
 - Cash Advance Fee
 - Balance Transfer Fee

Up to 1% of each transaction in U.S. dollars
None
None
Penalty Fees
 - Late Payment
 - Returned Payment
 - Over-the-Credit-Limit Fee
 - Penalty APR

Up to $25
Up to $20
None
None


The minimum monthly payment is 2% of your total new balance, or $30, whichever is greater. See your Credit Card Agreement for more details.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Balance Transfer Information - Balance transfers are not considered purchases, therefore no grace period applies and finance charges will begin on the transaction date. This offer is valid for balances transferred from other institutions only. Please continue making payments on your other credit card account(s) until the balance transfer is confirmed on your other institution’s account statement.

Billing Rights Information on your rights to dispute transactions, and how to exercise those rights, is provided in your Credit Card Agreement at eecu.org/creditcard.

1 Subject to any applicable Introductory or Promotional Rate, after your Account has been open for at least one year, your APR for purchases and balance transfers may also change within the range stated above based on your creditworthiness.
2 Prime Rate: Variable APRs are based on the 5.25% Prime Rate as of 09/02/2019. The Prime Rate is subject to change. The information about the cost of the credit card described above is accurate as of 09/02/2019. This information may have changed after that date. To find out what may have changed, call 1-800-333-9934 or write to EECU at PO Box 1777, Fort Worth, TX 76101-1777.
3 EECU will not process any balance transfer requests that are from any other account or loan that EECU has issued. Additional terms and conditions apply.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.