Home / Explore / Credit Cards

Discover TFCU 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 Federal 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.

For a limited time, when you open a new credit card, we’ll donate $100 to either St. Joseph Food Program or Second Harvest Heartland.*

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 1.99% intro APR2 for 12 months on purchases and balance transfers 1.99% intro APR3 for 12 months on balance transfers
Earn a one-time $100 cash back rebate bonus when you spend $1,000 on purchases within 90 days from account opening.4
Purchase rate 9.99% - 18.00% variable APR
(important credit terms)
12.24% - 17.24% 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
Mastercard ID Theft Protection Yes Yes
Requirements TFCU Membership5
Apply Now
QUESTIONS? CALL 866-226-5225

* Offer begins November 6, 2018 and ends December 31, 2018. When you open a new Thrivent Federal Credit Union (TFCU) MasterCard® credit card TFCU will donate $100 to either St. Joseph Food Program or Second Harvest Heartland; up to a maximum donation of $30,000 combined. TFCU's contribution to either of these food programs as a result of this offer is not tax deductible by the member. Offer is subject to change without notice.

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 9.99% - 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 12.24% - 17.24% TFCU Rewards 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. Account must be in good standing to receive the cash rebate bonus. 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, Emergency Savings Share or TFCU College Checking account is a requirement for membership in Thrivent Federal 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.