GenFed Credit Cards
Choose a GenFed Mastercard for everyday purchases, rewards, balance transfers, or building credit with a secured card.
See disclosures for more information.
Have questions? Contact GenFed or Find a Local Branch.
| GenFed offers three Mastercard options: Platinum Mastercard, Platinum Rewards Mastercard, and Share Secured Mastercard. GenFed also offers credit-building and clean-start accommodations within its Platinum and Platinum Rewards programs. This page helps you compare each option, review current rates and fees, understand rewards and balance transfers, and manage your card. |
| Quick Answer: Which GenFed credit card is right for me? |
| Platinum Mastercard is designed for everyday purchases, Platinum Rewards Mastercard earns CURewards points that can be redeemed for cash and other rewards, and Share Secured Mastercard is designed for first-time or rebuilding credit. Credit-building and clean-start accommodations are also available within the Platinum and Platinum Rewards programs. |
Compare the card options below, review current rates and disclosures, or contact GenFed with questions before applying.
Which GenFed Mastercard fits your goal?
GenFed's three Mastercard options serve three goals: everyday purchases (Platinum), earning rewards (Platinum Rewards), and building or rebuilding credit (Share Secured). The summaries and table below compare rates, fees, rewards, and limits.
See GenFed’s disclosures for more information.
Platinum Mastercard
Best for everyday purchases and Mastercard acceptance
The Platinum Mastercard gives you purchasing power and worldwide Mastercard acceptance with local GenFed service. It may be a good fit if you want a card for everyday spending, online account access, and the option to make payments at a local branch.
Key features include:
- 0% APR for the first 12 months on purchases
- 2.99% APR for the first 12 months on balance transfers; fee applies
- APR as low as 15.75%, effective 7/1/2026
- 25-day grace period
- No annual fee
- Convenient online account access
- Payments online, by phone, or at a local branch
- Protection for disputing a charge
Platinum Rewards Mastercard - Earn CASH
Best for earning cash and rewards
The Platinum Rewards Mastercard is designed for members who want to earn rewards on everyday purchases. You earn points with each purchase and can redeem them through CURewards for cash, travel, gift cards, merchandise, and more.
Key features include:
- Earn 10,000 points after spending $1,000 in the first 60 days. Those points can be redeemed for $100 cash through the CURewards catalog.
- 0% APR for the first 12 months on purchases
- 2.99% APR for the first 12 months on balance transfers; fee applies
- APR as low as 17.75%, effective 7/1/2026
- 1 point for every $1 you charge
- No limit to the number of points you can earn
- Points are good for 5 years
- Choose from hundreds of CURewards options when you redeem points, including cash
- 25-day grace period
- No annual fee
To find your rewards balance, recent activity, and redemption options, visit Credit Cards in Online/Mobile Banking and open the Services menu.
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Share Secured Mastercard
Best for a secured credit card with no credit history
The Share Secured Mastercard is GenFed’s secured credit card option for first-time credit users or members re-establishing credit. Your credit card limit matches the secured deposit, up to $20,000, which can make it easier to manage your spending while building credit history.
Key features include:
- 0% APR for the first 12 months on purchases
- 2.99% APR for the first 12 months on balance transfers; fee applies
- Credit card limit matches the secured deposit
- Designed for first-time credit users or members re-establishing credit
- Convenient online access
- 25-day grace period
- No annual fee
- Payments online, by phone, or at a local branch
- Protection for disputing a charge
Can I build or rebuild credit with a GenFed Mastercard?
Yes. GenFed offers Share Secured Mastercard and may provide credit-building or clean-start accommodations within its Platinum and Platinum Rewards programs. Responsible use and on-time payments may support your credit-building goals over time, but no credit-score outcome is guaranteed.
Review your credit-building options from GenFed:
Share Secured Mastercard
A secured credit card for first-time credit users or members re-establishing credit. Your credit limit matches the secured deposit, up to $20,000.
Credit-building option within Platinum programs
This credit-building option is built for young adult members and anyone establishing credit for the first time. GenFed may offer a $300 to $500 limit, no co-signer requirement, consideration of all income levels, and a free credit counseling session with a GenFed loan officer. GreenPath credit counseling is also available.
Clean-start option for rebuilding credit
GenFed may offer a $300 to $500 limit without requiring a share pledge for members rebuilding credit after a financial setback.
How do GenFed Financial Credit Union credit cards compare?
GenFed offers three Mastercard options with no annual fee: Platinum for everyday purchases, Platinum Rewards for earning points, and Share Secured for building credit.
The table below compares them by goal, rewards, limits, and features.
| Card | Best for | Rewards | Credit limit or deposit | Introductory offers | Key features |
|---|---|---|---|---|---|
| Platinum Mastercard | Everyday purchases and Mastercard acceptance | Not a rewards card | Based on approval | 0% APR for 12 months on purchases; 2.99% APR for 12 months on balance transfers; fee applies | No annual fee, online access, branch payments, and dispute protection |
| Platinum Rewards Mastercard | Earning cash and other rewards | 1 point per $1, no point cap, points good for 5 years, and a 10,000-point bonus after $1,000 spent in the first 60 days | Based on approval | 0% APR for 12 months on purchases; 2.99% APR for 12 months on balance transfers; fee applies | CURewards redemption options and no annual fee |
| Share Secured Mastercard | First-time or rebuilding credit | Not a rewards card | Credit limit matches the secured deposit, up to $20,000 | Same introductory purchase and balance-transfer offers as Platinum Mastercard | Deposit-backed credit limit, no annual fee, online access, and dispute protection |
Current published APRs: Platinum Mastercard APRs start as low as 15.75%, and Platinum Rewards Mastercard APRs start as low as 17.75%, effective 7/1/2026. Rates are subject to change. Review current rates and Mastercard disclosures before applying.
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Review current rates and disclosures before applying.
What rates, fees, and rewards should I know before applying?
All three GenFed Mastercard options carry 0% APR for the first 12 months on purchases, with no annual fee and no penalty APR. Details by card are below.
A balance-transfer fee applies during the introductory period. See the balance-transfer section below.
Current APR and introductory offers
Platinum Mastercard and Platinum Rewards Mastercard offer 0% APR for the first 12 months on purchases and 2.99% APR for the first 12 months on balance transfers. Share Secured Mastercard has the same introductory purchase and balance-transfer offers as Platinum Mastercard.
During the first 12 months, the balance-transfer fee is the greater of $5 or 3% of each transfer. No balance-transfer fee applies after the introductory period. After the introductory period, ongoing rates apply.
Current published APRs start as low as 15.75% for Platinum Mastercard and 17.75% for Platinum Rewards Mastercard, effective 7/1/2026. Review current rates and Mastercard disclosures before applying.
Fees and grace period
Platinum Mastercard, Platinum Rewards Mastercard, and Share Secured Mastercard have no annual fee. GenFed does not apply a penalty APR.
Other published fees include:
- $29 late-payment fee
- $20 returned-payment fee
- $8 temporary credit-increase fee
- $5 pay-by-phone fee
- 1% foreign transaction fee on each transaction in U.S. dollars
For Platinum Mastercard and Platinum Rewards Mastercard, cash advances carry a 2.99% APR for the first 12 months, followed by the card’s regular APR. See the Mastercard disclosures for complete rate and fee terms.
Your payment due date is at least 25 days after the close of each billing cycle. GenFed will not charge interest on purchases if you pay your entire balance by the due date each month. Interest begins on cash advances and balance transfers on the transaction date.
Platinum Rewards Mastercard points
With GenFed’s cash back credit card option, the Platinum Rewards Mastercard, you earn 1 point for every $1 you charge, with no point cap. Points are good for 5 years and can be redeemed through CURewards for cash, travel, gift cards, merchandise, and more.
To view your rewards balance or redeem points, visit Credit Cards in Online/Mobile Banking and open the Services menu.
How can my credit score affect my rate?
The way you plan to use your card can help you choose the best type of card for you. . A formal GenFed credit card application results in a hard inquiry on your credit report. You can get a free copy of your credit report at annualcreditreport.com.
Secured credit card vs. credit card vs. debit card
| Card type | How it works | Where the money comes from | Best fit |
|---|---|---|---|
| Debit card | Linked to your checking account. When you use it, funds are withdrawn from your available balance. | Your checking account | Everyday spending using money you already have |
| Credit card | Lets you borrow from a line of credit. You receive a monthly statement with your purchases and minimum payment due. | A credit line from the card issuer | Purchases you plan to repay, with interest charged if you carry a balance |
| Secured credit card | Works like a credit card for purchases and payments, but your credit limit is tied to a secured deposit. | A credit line backed by your secured deposit | First-time credit users or members re-establishing credit |
| GenFed’s Share Secured Mastercard is the secured credit card option. The credit limit matches the secured deposit, up to $20,000. | |||
Can I use a GenFed Mastercard as a balance transfer credit card?
Platinum Mastercard, Platinum Rewards Mastercard, and Share Secured Mastercard include a 2.99% APR introductory balance-transfer offer for the first 12 months. During that period, the balance-transfer fee is the greater of $5 or 3% of each transfer. No balance-transfer fee applies after the introductory period.
What balance-transfer terms should I review?
Before transferring a balance, review:
- The introductory balance-transfer APR
- The balance-transfer fee
- The APR after the introductory period
- When interest begins
- Whether the transfer fits your repayment plan
When might a balance transfer make sense?
A balance transfer often makes sense when the new introductory rate is lower than your current card's rate and the transfer fee is smaller than the interest you would otherwise pay. It can also simplify repayment by consolidating balances from several cards onto one GenFed card.
Whether it fits your situation depends on your balance, current rate, and how quickly you plan to pay it down; GenFed can help you review the terms.
How can I manage my GenFed Mastercard?
You can manage your GenFed Mastercard through Online/Mobile Banking,, by phone, or at a local branch. In Online/Mobile Banking, choose your card and select Card Management or Card Controls.
Manage your card online or in the app
With Online/Mobile Banking you can:
- Check balances and transactions
- Make payments
- Transfer money
- Set transaction and account alerts
- Lock or unlock your GenFed debit and credit cards
- Report a card lost or stolen
- Add a travel notice
- Add your GenFed Mastercard to Mobile Wallet (use the cards app)
- See your statements
Transaction and account alerts may include declines, international transactions, authorization amounts, and card-not-present activity.
Activate your card and make payments
You can activate a new card in the GenFed app or by calling the phone number printed on the sticker on your new card. Credit card payments can be made online, by phone, at a local branch, or through automatic payments.
Use your card while traveling
Before traveling, register your trip in the GenFed app, call 866.820.3844, or contact your local branch to help avoid a potential card disruption.
Eligible GenFed debit and credit cards can also be added to Apple Pay, Samsung Pay, or Google Pay through Mobile Wallet.
How do I apply for a GenFed credit card?
You can apply for a GenFed Mastercard online before becoming a member. If approved, the card cannot be funded until GenFed membership is established.
Do I need to be a GenFed member first?
No. You can complete the credit card application before joining GenFed, but membership must be established before the card can be issued.
You may qualify through an eligible county, an immediate family or household relationship, or a select employer group. Review GenFed’s Become a Member page for eligibility details.
Join GenFed at no cost. We’ll provide the required $5 opening deposit into your Savings account, making it easy to become a member.
What happens after I apply?
- Compare card options and review current rates and disclosures.
- Apply online.
- Provide any information GenFed requests.
- Watch for GenFed’s decision or follow-up.
- If approved and you are not already a member, establish GenFed membership before the card is funded.
- If approved, set up Online/Mobile Banking.
Local help from GenFed
GenFed members and prospective members can contact GenFed or visit a branch for help comparing cards, applying, or asking about building credit.
Local help is available at GenFed branches. Find a Branch and Schedule an Appointment.
What should I do if my card is lost or stolen?
Report a lost or stolen GenFed Mastercard immediately by calling the number on the back of the card at 866-820-3844. You can also lock the card in the GenFed Cards app. If you believe the card was compromised, keep it locked and call to report it.
Frequently asked questions about GenFed credit cards
How does a GenFed credit card compare to a card from a big bank?
A GenFed credit union credit card is issued by a member-owned credit union, not a for-profit bank. Because GenFed is member-owned, earnings are returned to members through rates and services rather than to shareholders, and all three GenFed Mastercard options carry no annual fee.
Can I have more than one GenFed credit card?
Yes. Members can hold more than one GenFed credit card at a time.
Can I get a GenFed credit card if I have limited or damaged credit?
GenFed offers Share Secured Mastercard and may provide credit-building or clean-start accommodations within its Platinum and Platinum Rewards programs. Approval depends on GenFed’s review of your application and credit qualifications.
Can I pre-qualify for a GenFed credit card?
You may be pre-qualified for a GenFed credit card through GenFed's prescreen programs, which use a soft credit inquiry and do not affect your credit the way a full application does. Watch your mail for a personalized offer, or ask about getting pre-qualified when you apply for another loan with GenFed. Pre-qualification is not full approval, and a formal application following a prescreen offer results in a hard credit inquiry (unless you have applied for another loan within a week of applying for the credit card).
What do I need to apply for a GenFed Mastercard?
You typically need your legal name, date of birth, Social Security number or taxpayer ID, current address, contact information, government-issued ID, and income or employment information. GenFed may request additional information to review your application.
How long does credit card approval take?
GenFed typically provides a credit card decision within 1 to 2 business days after receiving a complete application. The process may take longer if additional information or documentation is needed.
Can I get my secured deposit back or move from a secured card to an unsecured card?
Your secured deposit can be released after the Share Secured Mastercard balance is paid in full and the account is closed. To move to an unsecured GenFed card, you must submit a new application.
Can I request a credit limit increase on my GenFed card?
Yes. You can request a credit-limit increase by submitting an application. GenFed may also provide periodic automatic increases. All increases remain subject to GenFed’s review and approval.
Can I use my GenFed credit card at an ATM?
Cash advances are available on all GenFed credit cards. Using a credit card at an ATM may be treated as a cash advance, and cash-advance APRs and fees may apply. Review the Mastercard disclosures before using this feature.
Why might my GenFed credit card be declined?
A card is most often declined because it is locked in the app, the purchase would exceed the available credit limit, the card has expired, or the transaction was flagged for possible fraud. First check whether your card is locked in Online/Mobile Banking; if it is not, call the number on the back of the card at 866.820.3844.
What should I do if I see a charge I do not recognize?
Call the number on the back of your card at 866.820.3844 to report an unrecognized charge and begin the dispute process.
Ready to choose your GenFed Mastercard?
Whether you want everyday purchasing power, cash rewards, a balance-transfer option, help building credit, or a secured credit card, GenFed has a Mastercard option to consider.
Need help? Contact GenFed or find a GenFed branch.
Last reviewed by GenFed Financial Credit Union in July 2026. Credit card terms are subject to the Mastercard disclosures and may change.