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Spread some holiday cheer. Mastercard rates as low as seven point nine percent APR. Click to apply online now. Spread some holiday cheer. Mastercard rates as low as seven point nine percent APR. Click to apply online now.

Platinum Mastercard®

as low as

7.9%
APR*

Enjoy all the benefits and features that come with our lowest rate credit card. An Eglin FCU Platinum Mastercard® rate is as low as 7.9% APR.

All of our credit cards include the following features:

  • No Annual Fee
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • No International Transaction Fee
  • Paperless statements available
  • Transfer payments using our Online Banking platforms or mail your payment to: 838 Eglin Parkway NE, Fort Walton Beach, FL 32547
  • Apple Pay™, Samsung Pay™ and Google Pay™ ready, visit our Mobile Wallets page to learn more.
  • Identity theft resolution services*
  • Mastercard Airport Concierge*
  • Receive Mastercard Transaction Authorization Alerts to protect your account whenever unusual transactions are attempted on your card.
*Annual Percentage Rate

apply for a Platinum Mastercard  Mastercard Guide to Benefits for Credit Cardholders

Platinum Rewards Mastercard®

as low as

8.9%
APR*

Get the Eglin FCU Platinum Rewards Mastercard and enjoy a rate as low as 8.9% APR while earning points towards travel, merchandise, gift cards or cash back on qualifying everyday purchases. Earn 1 point for every $1 spent. From fuel to groceries to meals out, your purchases will also be rewarding!

Rewards program features include:

  • Extensive Selections - The Eglin Platinum Rewards card offers an exciting reward selection including cash back, gift cards, merchandise, green products, travel and charitable donations.
  • Many Popular Brands - Use points to shop popular brand merchandise and gift cards such as Apple, Beats, Bose, GoPro, Macy's, Crate & Barrel, J.Crew, REI, Starbucks and many more.
  • Earn Bonus Points - Shop local and national merchants in-store or online and automatically earn up to 10 bonus points per dollar spent when using your rewards card. Learn more about the ShopSPOT bonus points program.

apply for a Rewards Mastercard visit rewards site
 rewards program terms & conditions
Mastercard Agreement & Disclosure

Mastercard® Transaction Authorization Alerts

Eglin FCU will notify you via text, email, and/or phone if we suspect any unauthorized transactions on your Eglin FCU Mastercard.

Text Alerts

  • When an unauthorized transaction is suspected, a text message that includes the transaction details will be sent to your cell phone.
  • Reply 'YES' if you authorized the transaction or 'NO' if you did not.
  • If you reply 'YES,' you will receive a text response that requires no action. If you reply 'NO,' you will receive a text response informing you of the next steps.
  • If no response is given, then you will be attempted to be reached via phone call.

Email Alerts

  • When an unauthorized transaction is suspected, an email will be sent to your email address we have on file.
  • Details of the transaction will be provided within the email.
  • You will be asked to verify whether you authorized all of the transactions or if one or more transactions were not authorized by clicking on the appropriate link.

How You Can Help

Thank you for choosing Eglin FCU and generously working alongside us to keep your information safe.

  Beware of phishing attempts. Eglin FCU will not ask you to give out any personal information via text or email. If you question the validity of a transaction authorization alert pertaining to your Eglin FCU account, please contact us. Credit card transaction authorization alerts via text message are a complimentary service offered by Eglin FCU. You are, however, subject to any text message charges or data charges from your cell phone carrier.

 If an unauthorized transaction has posted to your account, you should notify us immediately and may file a dispute by visiting a local branch or by calling us at 850.862.0111, Option 1, during business hours.

Mastercard® Limit Increase

If you are looking to increase your spending limit, you may request a credit limit increase on your Platinum or Platinum Rewards Mastercard® by visiting a branch or you may apply online. If applying online, select "Platinum Mastercard - Limit Increase" or "Rewards Mastercard - Limit Increase" as the loan type. Please note: A hard credit inquiry may be required to process your request for a credit limit increase.

request a credit limit increase
Take Control of Your Card
Manage your Eglin FCU Credit and/or Debit Card usage through your mobile device by defining when, where and how your card is used.
download CardControls today
Taking a trip?
Prevent interruption of service to your Eglin FCU credit and/or debit card by notifying us before you leave town. Call us at 850.862.0111, Option 1, or submit your travel notification via DocuSign using our Travel Notification Form.
Travel Notification Form

Report lost or stolen card:

850.862.0111, Option 1 (all hours)
800.367.6159, Option 1 (all hours)

Request a replacement card

Activate card or change PIN:

(all hours)
Within USA: 866.762.0558
International: 501.588.7531

Frequently Asked Questions

How do I apply for the Platinum or Platinum Rewards Mastercard?
To apply for the Platinum Mastercard credit card or Platinum Rewards Mastercard credit card, you can either visit a branch during business hours or apply online.

How do I redeem my reward points from my Eglin FCU Platinum Rewards credit card?
If you have online account access, you may redeem your reward points from your Eglin FCU Platinum Rewards credit card by clicking the Rewards link inside of Online Banking and the Mobile App. If you do not have online account access, you may redeem rewards points by visiting and logging into dreampoints.com/eglinfcu.

How do I get a replacement credit card?
To request a replacement credit card please visit any of our branches during business hours to receive a card the same day. You may also request a card by mail by completing a Request a Replacement Credit Card form in DocuSign.

How do I dispute or report transactions on my credit card that I did not make?
If you notice any unauthorized transactions in your transaction history or your monthly statement, please contact us by visiting a branch or calling 850.862.0111 and selecting Option 1 during business hours.

Can I lower the interest rate on my credit card?
To request a reduction to your current rate, please contact us by phone at 850.862.0111, Option 1, or visit a branch during business hours. Please note: Requesting a rate reduction on your Eglin FCU credit card will involve a hard pull inquiry on your credit.

Do you offer secured credit cards?
We do not currently offer secured credit cards or secured credit-builder cards.
How many different credit cards do you offer?
We offer two types of credit cards: the Platinum Mastercard and the Platinum Rewards Mastercard.

Can I get both the Platinum Mastercard and the Platinum Rewards Mastercard?
Each member is limited to only one type of credit card, but you have a great choice to make! You may select either the Platinum Mastercard or the Platinum Rewards Mastercard, but you may not have both of these at the same time. Whichever you choose, you’ll enjoy excellent benefits!

I am having trouble paying my credit card bill. Can you help me?
If you're having difficulty making payments on your Eglin FCU Mastercard, please reach out to us. We're here to help you explore available options to get your finances back on track. By discussing a payment plan for overdue credit cards with us, you can maintain good communication and make regular payments, which will help prevent account closures and charge-offs. Give us a call at 850.862.0111, Option 4, or visit a branch during business hours.

What do I do if my card is malfunctioning?
If your card is damaged or malfunctioning, you can request a replacement by visiting any branch location for same-day service or by completing the required Debit Card Request form online on our Applications and Forms page.


My card is being replaced or renewed. Will the PIN be the same?
When you call to activate your new card, you will be prompted to select a Personal Identification number, also called a PIN. You may choose the same PIN for your renewal or replacement card that you used previously. Remember that it's your responsibility to make sure no one else learns your secret PIN or uses the card issued to you. Please tell us at once if you believe your card or PIN has been lost or stolen. You may change your PIN at any time by calling 866.762.0558.

How do I add another cardholder to my account?
To request a Debit Card or ATM Card that allows someone else access to your accounts, please contact us by calling 850.862.0111, Option 1, or by visiting one of our branch locations during business hours. Additional cardholders must be joint on at least one account suffix and will be authorized to access all your share and loan accounts. As the primary accountholder, you are responsible for all purchases and transactions conducted by additional cardholders and authorized users

Why was my transaction denied?
If your credit or debit card transactions are being declined, or if you have specific questions regarding the status of your card, please call us at 850.862.0111 and select Option 1 for assistance during business hours.

How do I dispute a transaction?
If you need to dispute a transaction or would like more information about the dispute process, please contact us by visiting any branch location or by calling 850.862.0111, Option 1, during business hours.

I am planning to travel soon, is there anything I should do to ensure my card will still work while I am out of town?
To avoid interruptions to your Eglin FCU Debit or Credit card services while traveling abroad or making international transactions, we recommend completing a travel notification form. You can fill out the Travel Notification form online at eglinfcu.org/forms. You can also visit any branch location, or call 850.862.0111, Option 1, during business hours to request and submit a Travel Notification form.

Can I use my Eglin FCU Debit or Credit card while I am overseas?
Our Debit and Credit cards may be used internationally for transactions and cash withdrawals where accepted. To alleviate chances of the transaction being declined or blocked due to unusual activity, submit a travel notification form online at eglinfcu.org/forms before you travel.
Do you offer gift cards?
The Credit Union doesn't sell prepaid gift cards. We do have a Platinum Rewards Mastercard program with an exciting rewards selection, including the option to redeem earned points for gift cards.
What is the difference between a debit card and a credit card?
A debit card is directly linked to the available funds in your checking account. It allows you to make purchases using funds directly from your account. A credit card allows you to borrow money from the issuer using a credit line limit for purchases, which is repaid later, often with interest if not paid in full by the due date.

Do you offer custom card designs?
We offer one standardized card design for each card type at this time.