Credit Cards

Use Your Card. Get Rewarded.

Choose the EFNCU credit card you want and shop in-store or online, pay bills, travel locally or abroad, and earn rewards every time you use your credit card.

Mastercard Classic:

Make everyday purchases and redeem for cash back. 

Mastercard Ultimate:

Turn everyday purchases into rewards that you can redeem for gift cards and merchandise. 

Mastercard World:

Create share-worthy experiences with added card benefits and rewards. 

Mastercard World Elite:

Travel like a VIP with amazing card benefits and rewards.

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*For information about the rates, fees, other costs and benefits associated with the use of these cards, visit gonow.credit/firstfcuapply and refer to the disclosures accompanying the credit card applications.

  1. Earn one Rewards Point (1% cash back) for each $1 spent on qualified purchases. The cash redemption value of each Reward Point is $0.01. Fractional Rewards Points will be rounded down to the nearest whole number. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards Points do not expire. You must request redemption of Rewards Points to receive cash back as a statement credit. See the uChoose Rewards® Program Terms and Conditions credit/rewards for redemption instructions and additional information
  2. Earn one Rewards Point for each $1 spent on qualified purchases. Fractional Rewards Points will be rounded down to the nearest whole number. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards Points expire after 3 years from the accrual date. See the uChoose Rewards® Program Terms and Conditions credit/rewards for redemption instructions and additional information.
  3. Ultimate Card Bonus Points Offer. You will earn 10,000 bonus points if you use your new credit card account to make any combination of Purchase transactions totaling at least $3,000 (exclusive of balance transfers, cash advances, fees, returns and adjustments) that post to your account within 90 days of the account open date. Points expire after three years. Redeem for travel, gift cards, merchandise and more.
  4. Earn one Rewards Point for each $1 spent on qualified purchases. Rewards Points may be redeemed for cash back or other non-cash options. Fractional Rewards Points will be rounded down to the nearest whole number. For cash-back redemptions, each Rewards Point can be redeemed for a $.01 statement credit. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards points do not expire. You must request redemption of Rewards Points to receive cash back as a statement credit. See the uChoose Rewards® Program Terms and Conditions credit/rewards for redemption instructions and additional information.
  5. World Card Bonus Points Offer. You will earn 25,000 bonus points if you use your new credit card account to make any combination of Purchase transactions totaling at least $3,000 (exclusive of balance transfers, cash advances, fees, returns and adjustments) that post to your account within 90 days of the account open date. Rewards Points do not expire and can be redeemed for travel, gift cards, merchandise and more. Cash back via statement credit.
  6. Earn one Rewards Point for each $1 spent on qualified purchases. Rewards Points may be redeemed for cash back or other non-cash options. Fractional Rewards Points will be rounded down to the nearest whole number. For cash-back redemptions, each Rewards Point can be redeemed for a $.01 statement credit. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points.  Rewards Points do not expire. You must request redemption of Rewards Points to receive cash back as a statement credit. See the uChoose Rewards® Program Terms and Conditions at credit/rewards for redemption instructions and additional information.
  7. World Elite Card Bonus Points Offer. You will earn 50,000 bonus points if you use your new credit card account to make any combination of Purchase transactions totaling at least $5,000 (exclusive of balance transfers, cash advances, fees, returns and adjustments) that post to your account within 90 days of the account open date. Rewards points do not expire and can be redeemed for travel, gift cards, merchandise and more. Cash back via statement credit.
  8. Mastercard, Priceless, Mastercard World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Please refer to the Mastercard Guide to Benefits for more information.
  9. For details on Mastercard Airport Concierge visit globalairportconcierge.com

These Credit Cards are issued by Fifth Third Bank, National Association. Member FDIC. Credit Cards are subject to credit review and approval.