Discover TCU credit card options
Building credit is a part of life. Credit determines next steps for big financial milestones like buying a car, purchasing a home or growing your business. And, with the right guidance and education, you can find value in using a credit card to build your credit. At Thrivent Credit Union, we're proud to provide all the tools you need to complete your financial journey – including credit solutions. Below, review and compare benefits and rates between our Mastercard® options and make a credit card decision that meets your needs.
| Features | TFCU Standard Mastercard® | TFCU Rewards Mastercard® |
|---|---|---|
| Overview | Take advantage of this low interest rate card to help you meet your credit needs. | Earn 1.5% cash rebate1 on spending with this basic rewards card. To get the most from this card, spend wisely with the intention of repaying in full each month.
Rebates posted in March, June, Sept. and Dec. |
| New card member offer | Earn a one-time $100 cash back rebate bonus when you spend $1,000 on purchases within 90 days from account opening.4 | |
| 1.99% intro APR2 for 12 months on purchases and balance transfers; after that your variable APR will be 12.99% - 18.00% based on your creditworthiness. | 1.99% intro APR3 for 12 months on balance transfers; after that your variable APR will be 15.24% - 18.00% based on your creditworthiness. | |
| Interest rate | 12.99% - 18.00% variable APR (important credit terms) |
15.24% - 18.00% variable APR (important credit terms) |
| Annual fee | $0 | $0 |
| Foreign transaction fee | 1.00% | 1.00% |
| Late fee | Up to $35 | Up to $35 |
| Credit limit minimum | $500 | $500 |
| Overlimit fee | $0 | $0 |
| Branch/ATM/online cash fee | 2% (Minimum $10) | 2% (Minimum $10) |
| Mobile app | Yes | Yes |
| Contactless payments | Yes (FAQs) |
Yes (FAQs) |
| Mastercard ID Theft Protection | Yes | Yes |
| Requirements | TFCU Membership5 Members are allowed to be the primary card holder of only one (1) credit card. |
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1 You will automatically earn a 1.5% cash rebate on net purchases (purchases less any credits, returns and adjustments). Cash advances of any kind and balance transfers are not considered purchases, will not count toward your rebate and may affect the credit line available for this offer. Cash rebates earned will post to your account on each quarter’s statement (March, June, Sept. and Dec.).
2 Offer available on new accounts only. All qualifying purchases and balance transfers posted to your account during the first 12 months after the account open date, up to your available credit limit, will receive an introductory 1.99% APR. After the initial 12 month period, the APR for any remaining balances will increase to the standard variable APR for purchases and balance transfers disclosed at account opening (currently 12.99% - 18.00%) based on creditworthiness. This APR will vary with the market based on the Prime Rate. Rates are subject to change without notice.
3 Offer available on new accounts only. All qualifying balance transfers posted to your account during the first 12 months after the account open date, up to your available credit limit, will receive an introductory 1.99% APR. After the initial 12 month period, the APR for any remaining balances will increase to the standard variable APR for balance transfers disclosed at account opening (currently 15.24% - 18.00%) based on creditworthiness. This APR will vary with the market based on the Prime Rate. Rates are subject to change without notice.
4 Offer only available on new accounts. To qualify for the $100 cash rebate bonus, a total of at least $1,000 in net purchases (purchases minus any credits, returns and adjustments) must post to your account within 90 days from the date your account is opened. You are eligible to receive the rebate bonus if you have not caused a loss to the credit union. After qualifying, the cash rebate bonus will post to your account on the next quarter’s statement (March, June, Sept. and Dec.). Cash advances of any kind and balance transfers are not considered purchases, will not count toward this offer and may impact the credit line available for this offer. Offer is subject to change and can end at any time.
5 The TFCU Membership or Emergency Savings Share account is a requirement for membership in Thrivent Credit Union. To maintain membership a par value of one share ($1.00) must be kept in the account at all times. If you fall below the par value you have six months to increase the balance or your membership may be terminated.
APR = Annual Percentage Rate. All loans are subject to credit application, qualification and approval. Restrictions may apply. Must qualify for membership.
