EECU Personal Credit Cards

EECU has a credit card to fit your needs. Choose from our lowest rate, Rewards! points and cash back reward options.


World Rewards Mastercard®

  • 7.9% APR* on balance transfers made within 90 days of account opening1
  • 1.25 Rewards! points per $1 spent1
  • 25,000 bonus points when you spend $5,000 in first 90 days1
  • No annual fee
  • No balance transfer fee

Apply for a World Rewards Mastercard®

1See World Rewards Mastercard® Details

EECU World Rewards Mastercard®

APR=Annual Percentage Rate. Financing subject to credit approval and lending policies. Some restrictions apply. The APR is 11.99% to 17.99%.

Rewards! Points

Purchases must be qualifying signature rewards purchases in order to receive points and bonus points. $5,000 in qualifying signature rewards purchases must be made within ninety (90) days from the anniversary date of account opening to receive 25,000 bonus points.Balance transfers, convenience checks, and any fees associated with the card do not qualify for rewards points. Refer to your rewards terms and conditions for additional information.

Cardholder benefits are subject to change without notice.

Important Account Terms
Interest Rates and Interest Charges World Rewards Mastercard®
Annual Percentage Rate (APR) for Purchases and Balance Transfers My APR will be 11.99% to 17.99% (Standard APR), based on my creditworthiness*. This APR will vary with the market based on the Prime Rate.

My APR will be 7.90% for Balance Transfers made within ninety (90) days from the anniversary date of account opening. This APR will be non-variable. My APR for Balance Transfers made ninety one (91) days or more from the anniversary date of account opening will be the Standard APR.
APR for Cash Advances 17.99%
How to Avoid Paying Interest on Purchases My due date is at least 25 days after the close of each billing cycle. You will not charge me interest on purchases if I pay my entire balance by the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Protection Bureau I may learn more about factors to consider when applying for or using a credit card by visiting 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 Fee
  • Returned Payment Fee
  • 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.

How You Will Calculate My Balance: You use a method called “average daily balance” (including new purchases).

*Subject to the ninety-day non-variable APR balance transfer promotion, after my Account has been open for at least one year, my APR for purchases and balance transfers may also change based on my creditworthiness.

2The World Rewards Mastercard® offers an enhanced rewards program which is available as an option to highly qualified applicants only, based on creditworthiness.

Billing Rights: Information on my rights to dispute transactions and how to exercise those rights is provided in the Credit Card Agreement.

The information about the costs of the card described above is accurate as of July 2017. This information may have changed after that date. To find out what may have changed, I may call 1-800-333-9934 or write to EECU at PO Box 1777, Fort Worth, TX 76101-1777.


Cash Rewards Mastercard®

  • 7.9% APR* on balance transfers made within 90 days of account opening2
  • 1.50% cash rewards on every purchase2
  • No annual fee
  • No balance transfer fee

Apply for a Cash Rewards Mastercard®

2See Cash Rewards Mastercard® Details

EECU Cash Rewards Mastercard®

APR=Annual Percentage Rate. Financing subject to credit approval and lending policies. Some restrictions apply. The APR is 12.99% to 17.99%.

Cash Rewards

Cash back reward is paid each calendar quarter in the form of an automatic credit to the Account. Refer to your Mastercard® terms and conditions for additional information.

Cardholder benefits are subject to change without notice.

Important Account Terms
Interest Rates and Interest Charges Cash Rewards Mastercard®
Annual Percentage Rate (APR) for Purchases and Balance Transfers My APR will be 12.99% to 17.99% (Standard APR), based on my creditworthiness*. This APR will vary with the market based on the Prime Rate.

My APR will be 7.90% for Balance Transfers made within ninety (90) days from the anniversary date of account opening. This APR will be non-variable. My APR for Balance Transfers made ninety one (91) days or more from the anniversary date of account opening will be the Standard APR.
APR for Cash Advances 17.99%
How to Avoid Paying Interest on Purchases My due date is at least 25 days after the close of each billing cycle. You will not charge me interest on purchases if I pay my entire balance by the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Protection Bureau I may learn more about factors to consider when applying for or using a credit card by visiting the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees
  • Foreign Transaction Fee
  • Cash Advance Fee
  • Balance Transfer Fee

Up to 1% of each transaction in U.S. dollars
None
None
Penalty Fees
  • Late Payment Fee
  • Returned Payment Fee
  • 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.

How You Will Calculate My Balance: You use a method called “average daily balance (including new purchases).”

*Subject to the ninety-day non-variable APR balance transfer promotion, after my Account has been open for at least one year, my APR for purchases and balance transfers may also change based on my creditworthiness.

3The Cash Rewards Mastercard® offers an enhanced rewards program which is available as an option to highly qualified applicants only, based on creditworthiness.

Billing Rights: Information on my rights to dispute transactions and how to exercise those rights is provided in the Credit Card Agreement.

The information about the costs of the card described above is accurate as of July 2017. This information may have changed after that date. To find out what may have changed, I may call 1-800-333-9934 or write to EECU at PO Box 1777, Fort Worth, TX 76101-1777.


Platinum Plus Mastercard®

  • 7.9% APR* on balance transfers made within 90 days of account opening3
  • No annual fee
  • No balance transfer fee

Apply for a Platinum Plus Mastercard®

EECU Platinum Plus Mastercard®

APR=Annual Percentage Rate. Financing subject to credit approval and lending policies. Some restrictions apply. APR is 10.99% to 17.99%. Cardholder benefits are subject to change without notice.

Important Account Terms
Interest Rates and Interest Charges Platinum Plus Mastercard®
Annual Percentage Rate (APR) for Purchases and Balance Transfers My APR will be 10.99% to 17.99% (Standard APR), based on my creditworthiness*. This APR will vary with the market based on the Prime Rate.

My APR will be 7.90% for Balance Transfers made within ninety (90) days from the anniversary date of account opening. This APR will be non-variable. My APR for Balance Transfers made ninety one (91) days or more from the anniversary date of account opening will be the Standard APR.
APR for Cash Advances 17.99%
How to Avoid Paying Interest on Purchases My due date is at least 25 days after the close of each billing cycle. You will not charge me interest on purchases if I pay my entire balance by the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Protection Bureau I may learn more about factors to consider when applying for or using a credit card by visiting 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 Fee
  • Returned Payment Fee
  • 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 You Will Calculate My Balance: You use a method called “average daily balance (including new purchases).”

*Subject to the ninety-day non-variable APR balance transfer promotion, after my Account has been open for at least one year, my APR for purchases and balance transfers may also change based on my creditworthiness.

Billing Rights: Information on my rights to dispute transactions and how to exercise those rights is provided in the Credit Card Agreement.

The information about the costs of the card described above is accurate as of July 2017. This information may have changed after that date. To find out what may have changed, I may call 1-800-333-9934 or write to EECU at PO Box 1777, Fort Worth, TX 76101-1777.


Need a credit card for multiple family members? We can help. Call us at 817-882-0800 to learn more.


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*APR = Annual Percentage Rate. 7.9% APR is only available to qualified members for balance transfers made within 90-days from the anniversary date of account opening. This APR will be non-variable. Balance transfers made 91 days or more from the anniversary date of account opening will be made at the standard Balance Transfer APR (10.99%-17.99% for Platinum Plus Mastercard®, 11.99% - 17.99% for World Rewards Mastercard®, and 12.99% - 17.99% for Cash Rewards Mastercard®). Eligibility and membership in EECU is required. All offers subject to EECU lending policies and credit approval. This limited-time offer is subject to change at any time without notice.

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 and loan account(s) until the balance transfer is confirmed on your other institution’s account statement.

Cardholder benefits are subject to change without notice.

 

Review EECU Mastercard Credit Card Agreement and Disclosure Statement

If you are an existing cardholder and would like to request a copy of your existing Credit Card Agreement, please contact us at 817-882-0800 or make your request electronically.

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Federally insured by NCUA. National Credit Union Administration, a U.S. Government Agency – Member accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


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