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Compare & Choose the Best Low-Interest Rate Credit Card for You

Finding the right credit card shouldn’t be a mission.
Quickly compare the features & benefits of your next credit union credit card.

Platinum CC 2020
Mastercard® Platinum

Recommended for: those who pay off their credit card balance a little at a time

  • Low-interest variable rate of 11.24% - 17.99% APR
  • No annual fee
  • No Balance Transfer Fee
  • Credit line up to $40,000


Platinum Rewards 2020
Mastercard® Platinum Rewards

Recommended for: those who want to earn points to get cash, travel and merchandise rewards

  • Low-interest variable rate of 12.24% - 17.99% APR
  • No annual fee
  • No Balance Transfer Fee
  • Earn 1 reward point on all retail purchases


Secured mastercard
Mastercard® Platinum Secured

Recommended for: those who need to establish or rebuild their credit

  • Low-interest non-variable rate of 14.99% APR
  • No annual fee
  • No Balance Transfer Fee
  • No over-limit fee


Enjoy Extra Benefits of Your TFCU Low Rate Credit Card

ID Theft - CC

Mastercard® ID Theft Protection
Get ahead of identity theft by opting into Mastercard ID Theft Protection. You’ll receive alerts anytime there’s possible ID theft as well as access to resolution services. Sign up here.

Global protection

Mastercard® Global Service
Receive worldwide 24-hour assistance with lost or stolen card reporting, emergency card replacement and emergency cash advance courtesy of Mastercard. Learn more here

airport concierge

Mastercard® Airport Concierge
Receive worldwide 24-hour assistance with lost or stolen card reporting, emergency card replacement and emergency cash advance courtesy of Mastercard.

Get more details here

Collect rewards with your TFCU credit card and exchange points for cash back, statement credits, travel, gift cards, merchandise and more through

Control your card and reduce fraud through CardValet. This free app lets you set spending limits, turn your card on/off, review balance & transactions and more.


24/7 Card Assistance
Need help with your card? Whether you’re traveling, reporting a card lost/stolen or have a question use the number on the back of your card for 24/7 assistance.

“In just minutes I was able to obtain a $10,000 credit card. It was seamless, it was easy, the people are friendly, and I highly recommend Tropical Financial to everyone.”

Member since 2014

FAQ’s for our Low Rate Credit Union Cards

How do I make a payment on my Tropical Financial Credit Union credit card?
Cardholders have different options when it comes to paying on their TFCU credit cards to meet their needs. Payments can be made through online banking, our mobile app, in branch or by phone. Automatic payments can also be set up to ensure no payment is missed. Setting up automatic payments to your credit union credit card is free through online banking and the mobile app.

How can I increase my limit on my credit union credit card?
You can request to increase the limit on your TFCU credit card through online banking or by calling a TFCU representative at 1-888-261-8328.

Can I transfer balances from other credit cards to a Tropical Financial credit card?
Balance transfer can be done from both TFCU and non-TFCU credit cards. Balance transfer on our Platinum series have a $0 fee. Balance transfers can be done via online banking, through our mobile app or over the phone.

How long does it take to receive my TFCU credit card?
Once an application is approved, it typically takes 7-10 business days to receive your TFCU credit card via mail.

How do I replace a lost or stolen TFCU credit card?
If your credit card was lost or stolen, you can report it 24/7 by logging into your online banking portal. Lost or stolen credit cards in the US can be reported by calling 1-855-441-7713 and international 301-945-3580.

What should I do if there a fraudulent charge on my TFCU credit card?
To dispute any fraudulent charges on your TFCU credit card call the number on the back of your card (1-855-441-7713) immediately. To dispute any charges through online banking visit the "credit card" tab and find "account history" to complete required forms.  

What other benefits does my Tropical Financial Credit Union credit card have?

All TFCU credit cards feature these benefits in addition to those listed in our “Benefits” section:

  • Compatibility to use Google Pay, Apple Pay and Samsung Pay
  • Dedicated fraud protection team
  • EMV chip for enhanced security
  • $0 confirmed fraud liability guarantee