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Credit Cards

As a financial cooperative, your Credit Union focuses on better service and value — not generating profits for investors. That’s why, when you choose a CEFCU Credit Mastercard, you enjoy great rates, no annual fees, ID Theft Protection, Card Management, and much more!

Check out these enhancements!

  • NEW Cash Back Credit Card Earn cash back on every qualifying purchase you make. 1
  • Transaction Alerts Take action faster with activity and security alerts.
  • Controls Manage your Credit Card through CEFCU On-Line® Card Management to temporarily turn your card off, report your card as lost, set spending limits, and more.
  • Contactless Cards Tap and Go® to complete purchases quickly and securely.

Take advantage of a special
1.99%
INTRO APR FOR 12 MONTHS
on Purchases and Balance Transfers

Plus, cash back or extra bonus points!

Take advantage now!

Apply now

Card Design Options

credit card design with US Flag design
Patriotic
credit card design, white with grey cefcu logo
Cash Back
credit card design with Black and white swirl design
Traditional
credit card design with Landscape photo of Peoria from the Riverfront design
Peoria Skyline
credit card design with Blue and grey curved design
Youth
credit card design with Black and white pin stripe design
World
(World Card design is only available for World Mastercard.)

Find the Right Card for Your Lifestyle

Credit Mastercard

  • Count on Mastercard’s Zero Liability2 protection from unauthorized purchases.
  • Enjoy valuable shopping benefits, including Extended Warranty and Price Protection.
  • Get Trip Cancellation Insurance.
  • Rely on 24/7 cardholder service and emergency assistance.
  • Have added peace of mind with ID Theft Protection.

Cash Back Credit Mastercard

  • Earn 1.5% cash back on every qualifying purchase1 — with no cap to the amount of cash back you earn!
  • Redeem earned cash for statement credit or deposit to your CEFCU Savings or Checking account.

Plus all of the great benefits included with a CEFCU Credit Mastercard!

Rewards Mastercard

  • Earn 1 point for every dollar of net purchases on your card.
  • Receive bonus points plus discounts from CURewards® — for select online and in-store purchases.
  • Redeem points for Gift Cards.
  • Use points for airline tickets (with no blackout dates), vacation packages, or merchandise.

Plus all of the great benefits included with a CEFCU Credit Mastercard!

World Mastercard

  • Earn additional bonus points on select transactions — like fuel, dining, and hotels.
  • Enjoy luxury travel perks.
  • Use concierge service for travel planning and more.
  • Receive special offers  — like lodging, travel and cruises — from Mastercard.

Plus all of the great benefits included with a CEFCU Rewards Credit Mastercard!

Apply Now

Manage Your Card

Make the most of your CEFCU Credit Mastercard with these account management tools. Questions about your account? We're here to help!

Contact us

Log in to CEFCU On-Line®

Digital Wallets

Shop and pay the quick and secure way with digital wallets.

Credit Line Increase

Request an increase for the spending power you need.

Balance Transfer

Consolidate high interest balances.

What Do You Want From Your CEFCU Credit Mastercard?

Purchasing freedom? Cash back? Rewards? Travel benefits? Shopping Convenience?

Get the card tailored to your needs and lifestyle!

Take advantage of a special
1.99%
INTRO APR FOR 12 MONTHS
on Purchases and Balance Transfers

Plus, cash back or extra bonus points!

Learn more about our Special Offer

CEFCU Credit Mastercard Benefits

Online Services

Access balances, view eStatements, and more 24/7.

ID Protection

Get free account monitoring, plus ID Theft Resolution assistance.

Travel

Enjoy travel perks, Trip Cancellation Insurance, and more.

Rewards

Rewards

Earn points, then redeem for travel, merchandise, and more.

Fuel Rewards

Earn discounts on gas with everyday card purchases.

  1. A CEFCU Cash Back Credit Mastercard earns 1.5% cash back rewards for each $1 spent on “eligible” “net purchase transactions” made with the card, rounded up or down to the nearest one cent. “Eligible” purchase transactions do not include cash advances, cash equivalent transactions (such as the purchase of gift cards or cryptocurrency), convenience checks, balance transfers, gambling, insurance charges, or fees of any kind, including finance charges, foreign transaction currency conversion charges, late fees, over limit fees, returned check fees, ACH, Tele-Entry or Autopay fees and ATM cash advance fees, and are excluded from earning cash back. Cash back rewards are not transferable to another rewards program and must be used before the CEFCU Cash Back Credit Mastercard is closed. “Net purchase transactions” means the sum of your eligible purchase transactions minus returns and refunds. The amount of cash back earned on an eligible net purchase transaction is calculated by multiplying the amount of that transaction by 1.5%.
  2. Zero Liability: Pay only for purchases which you have authorized on your Credit Mastercard. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get Details.
  3. Certain conditions, restrictions, and exclusions apply. For full details, see the Credit Card Disclosures, Guide to Benefits, or contact CEFCU. The 25-day grace period is only effective when previous balance is paid in full within the first 25 days of the billing cycle. Complete details are available in the CEFCU Credit Mastercard, CEFCU Cash Back Credit Mastercard, CEFCU Rewards Credit Mastercard, and CEFCU World Credit Mastercard Cardholder Agreement.
  4. Select transactions — such as cash advances, balance transfers, and insurance changes posted to the account — are excluded from earning points. Points cannot be transferred from one CEFCU Credit Card program to another CEFCU Credit Card program or account and must be used before the Rewards Card is closed. Points can exist on an account for up to five calendar years and will start to expire at the end of the fifth calendar year. Rewards points earned on CEFCU Rewards or World Credit Cards are administered by CURewards (the Program) on behalf of CEFCU and are NOT: a deposit; obligations of CEFCU, the National Credit Union Administration (NCUA), or any affiliated entity; insured by the National Credit Union Share Insurance Fund. Accounts must be open and in good standing (not canceled or terminated by either party, not delinquent, over limit, or otherwise not available to use for charges) at time of redemption. Rewards are not available when a cardholder is in default under the card agreement. View more program details in the CEFCU Mastercard Rewards Guide or CEFCU World Mastercard Guide.