LFCU Mastercard Credit Card Image

Lafayette Federal Platinum Mastercard® Credit Card

Earn 50,000 bonus points when you spend $5,000 in the first 90 days.

Low rates, great rewards + 50,000 bonus points

Achieve more while you gain incredible member benefits and rewards that allow you to make your dreams possible with each purchase.

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Score 50,000 bonus points

For a limited time, earn 50,000 reward points when you spend your first $5,000!2 – that’s a $500 redemption value!

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Earn CURewards on every purchase

For every dollar you spend, earn unlimited points towards merchandise and travel expenses. Visit the CURewards Store.

Stress less with purchasing peace of mind

Experience the credit union difference with no annual fee, no foreign transaction fee, and low purchase, balance transfer and cash advance APR1

Additional card features and benefits

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Gain maximum spending power

with credit limits up to $50,000

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Member-focused rates

as low as 12.90% APR1

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Enjoy convenient payment options

with Apple Pay™, Google Pay™, Samsung Pay™ and EMV technology

Rates, terms and fees

Get the details on our Platinum Mastercard® rates, terms, and fees.

Mastercard® Credit Card

Charges & Fees

Terms

¹Variable Rate Information: APR=Annual Percentage Rate. Your APR may vary. Your rate is determined by adding a Margin (initially determined based on an evaluation of each member’s credit score, economic conditions and other risk factors) to the highest Prime Rate published in the Wall Street Journal on the first business day of the current month, and the rate will then adjust monthly (on the first day of your billing cycle), according to monthly increases or decreases in the Wall Street Journal Prime Rate. The APR will not be more than 18.00%, regardless of the Wall Street Journal Prime Rate. The margin applicable to your account is subject to review every 6 months. After a period of 12 months from card issuance, we may increase or decrease the margin applicable to your account based upon changes in your credit history. We will notify you in accordance with applicable law before we apply any margin increase to your account. The margins will range from 4.90%-13.90% as described in paragraph 5 of your Lafayette Credit Union Platinum Mastercard Credit Card Terms and Conditions.

The rates and terms shown are effective as of May 1, 2023.

Charges & Fees

Purchase, Balance Transfer and Cash Advance APR1

Terms

12.90%-18.00% When you open your account, determined by your credit worthiness.1After that, APR will vary with the market based on the Prime Rate and a margin determined by credit history. 

Charges & Fees

How to Avoid Paying Interest on Purchases

Terms

LFCU allows you 25 days to make a payment for charges of merchandise and/or services. When the billing cycle beginning balance is $0.00 you avoid paying interest.

Charges & Fees

Minimum Finance Charge

Terms

There will be up to a $1.00 minimum finance charge assessed.

Charges & Fees

For Credit Card Tips from the Consumer Financial Protection Bureau

Terms

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

Charges & Fees

Annual Fee

Terms

None

Charges & Fees

Balance Transfer Fee

Terms

3% of each balance transferred, or $30.00, whichever is greater.

Charges & Fees

Cash Advance Fee

Terms

Either $2.00 or 2% of the amount of each cash advance, whichever is greater.

Charges & Fees

Foreign Transaction Fee

Terms

None

Charges & Fees

Late Payment Fee

Terms

Up to $25.00

Charges & Fees

Over the Credit Limit Fee

Terms

None

Charges & Fees

Returned Payment Fee

Terms

Up to $25.00 will be assessed and added to your balance if the minimum payment is not received within 5 days following the payment due date.

Charges & Fees

Card Replacement Fee

Terms

Up to $5.00

Charges & Fees

Balance Computation Method

Terms

Average Daily Balance

Bank with the best.

Join a credit union with nation-leading rates and top notch service you can trust. But don’t just take our word for it.

Newsweek Best Banks 2022 and 2023 Badges

Newsweek’s Best Banks of 2022 & 2023

Newsweek partnered with Lending Tree to assess thousands of banks and credit unions nationwide, using a ranking system with over 50 different factors.

S&P Badge 2022

#12 of Top 100 Credit Unions 2022

S&P Global Market Intelligence Rankings places Lafayette as one of the Top 100 performing credit unions in 2022, securing the #12 spot out of almost 1,800 qualified credit unions nationwide.

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#8 in Washington Business Journal’s Fastest Growing Companies 2022

Recognized as Greater Washington’s fastest growing credit union, ranking 8th overall as the fastest growing company in 2022. One of only 50 Washington area businesses – and the only credit union – to make the list out of over 2,300 companies surveyed.

Our members say the nicest things.

My Lafayette story started in 1994 when I first joined. I did not know what a credit union was about, but my company offered it as a benefit for my direct deposit paycheck. This allowed me to get my money a few days early. Over the years I have had mortgages, car loans, and been able to volunteer to improve the credit union. I have always been very happy with the customer service, even when I was across the country with no access to a branch.

Richard B.Member for 29 Years
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Ready to Apply?

Open today with our easy online application.

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Disclosures

1APR=Annual Percentage Rate. Your APR may vary. Your rate is determined by adding a Margin (initially determined based on an evaluation of each member’s credit score, economic conditions and other risk factors) to the highest Prime Rate published in the Wall Street Journal on the first business day of the current month, and the rate will then adjust monthly (on the first day of your billing cycle), according to monthly increases or decreases in the Wall Street Journal Prime Rate. The APR will not be more than 18.00%, regardless of the Wall Street Journal Prime Rate. The margin applicable to your account is subject to review every 6 months. After a period of 12 months from card issuance, we may increase or decrease the margin applicable to your account based upon changes in your credit history. We will notify you in accordance with applicable law before we apply any margin increase to your account. The margins will range from 4.90%-13.90% as described in paragraph 5 of your Lafayette Credit Union Platinum. 2Must spend $5,000 within the first 90 days of credit card account opening to earn the 50,000 bonus reward points. Points are applied to the credit card account within 30 days after the required $5.000 spend threshold is met. Other restrictions may apply. Lafayette Federal is an equal opportunity lender.