TFCU ELITE CREDIT CARD

FIXED RATE CREDIT CARDS FOR EVERY LIFESTYLE

Need Help Deciding Which Card Is Best For You?
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FIND & COMPARE THE PERFECT Non-variable RATE CREDIT CARD

COMPARE OUR CREDIT CARDS TO FIND WHICH CREDIT UNION CARD IS BEST FOR YOU.

TFCU Mastercard Elite
Mastercard Elite

Recommended for: those who pay off their credit card balance a little at a time and want a steady low interest rate

  • Variable-rate between 8.99% -16.99% APR
  • No annual fee
  • Credit line up to $40,000
  • No balance transfer fee

APPLY NOW

TFCU Mastercard Elite 3X Rewards Card
Mastercard Elite
3x Rewards

Recommended for: those who want to earn 3x the points to get cash, travel and merchandise rewards

  • Fixed rate at 17.99%
  • No annual fee
  • Earn 3 reward points on all retail purchases
  • No balance transfer fee

APPLY NOW


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.

airport concierge

Mastercard Airport Concierge
Enjoy 15% savings on Airport Meet and Greet services . Arrange for a personal, dedicated meet and greet agent to escort you through the entire airport process. Learn more 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.
Get more details here

Rewards-1

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

CardValet-Transaction


Card Valet
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.

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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.”

Mark Hoppus
Miami, Florida

FAQ’s for our Fixed Rate Credit Union Rewards Cards

What is a non-variable credit card?

Fixed rate credit cards are cards that have a set interest rate that does not fluctuate throughout the year. They help users calculate the specific amount of interest they will be charged each month, if they carry a balance.

Do TFCU non-variable rate credit cards have introductory periods?

No. Since our fixed rate credit cards have a specific rate we do not offer an introductory APR. However, our rates on these cards are low and can benefit those who carry a balance.

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 charges on my TFCU credit card?

To dispute any fraudulent charges on your TFCU credit card, call the number on the back of your card immediately. You can also dispute any unrecognized charges through the TFCU online banking portal. Click the “Secure Forms” section and from there select “(name of form)” and follow the prompts.  

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