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Credit Cards

Unlock more possibilities with FPCU's credit cards!

Desgined to fit your lifestyle with competitive rates, various rewards, and no hidden fees; our credit cards keep it simple and safe. Whether you are looking to consolidate debt, build credit, pay bills, earn cashback, or enjoy travel perks, we have a card for you. Browse our options below and choose the one that's right for you. 

All FPCU Credit Cards come with the following:

  • EMV Chip Technology
  • 24- Hour Cardmember Service: Call 800-558-3424 for balance inquires, payment information, transaction history, statement requests or to report your card Lost or Stolen.
  • Online Account Management: Enroll on myaccountaccess.com to maximize your experience. You can view balances, set up AutoPay, view your statements, annual account summary, spend analysis, establish travel notifications, Lock/Unlock your card, review and redeem rewards and so much more! 
  • Mobile App: Download the free Elan Credit Card mobile app from the Apple Store or Google Play Store and manage your account on-the-go, whenever it is convenient for you! 
  • Mobile Wallet: A Simple, safe and convenient solution for you--just snap a photo to add your card to your payments app, then authenticate. FPCU Credit Cards are compatible with Apple Pay, Samsugn Pay, Google Pay, FitBit Pay and Garmin Pay. 

....and so much more!  

Stop by our branches to apply for a credit card in-person or contact our Member Services Department on 617-482-4787 to apply over the phone! 

EARN VALUABLE REWARDS

 

 

 

Mastercard®
Everyday Rewards+ Card

More rewards on things you buy frequently.

  • 4X Points1 on dining, takeout & restaurant delivery^
  • 2X Points at grocery stores*
  • 2X Points at gas stations and EV charging stations*
  • 2X Points on streaming services
  • 1X Points on all other eligible purchases
  • ^4X points on your first $2,000 each quarter, after that 1X point

*Excludes discount  stores/ supercenters and wholesale clubs

 
 
 
 
 
 

Redeem2
•Merchandise
• Gift cards
• Travel
• Cash back3

 

 

 

 

 

Mastercard®
Max Cash
Preferred Card

Cash back in the categories of your choice.

  • 5% Cash Back on two categories you choose –first $2,000 in combined purchases each quarter4
  • 2% Unlimited Cash Back on one everyday category of your choice each quarter4
  • 1% Unlimited Cash Back on all other eligible purchases
 
 
 
 

Redeem5
Cash back4

 

 

GET A GREAT INTRO RATE

 

Mastercard®
Platinum Card

Perfect for balance transfers and new purchases.

  • Low Intro Rate- Save on interest with a great low introductory rate for an extended time
  • Use for large purchases, unexpected expenses or last-minute necessities
 
 

Transfer Balances
Pay down your other
higher-rate credit card
balances faster

 

EXPERIENCE EXCEPTIONAL REWARDS AND PERKS

 

 

 

Mastercard®
Travel
Rewards+ Card

Elevated travel and powered-up rewards.

  • 4X Points on travel, entertainment & recreation purchases6
  • 4X Points at gas stations & EV charging stations*
  • 1.5X Points on all other eligible purchases
  • No caps on points earned

*Excludes discount stores/ supercenters and wholesale clubs

 
 
 
 
 
 

Redeem2
•Merchandise
•Gift cards
•Travel
•Cash back3

 

 

 

 

 

Mastercard®
Reserve
Rewards+ Card

Rich rewards on travel and more.

  • 6X Points on travel booked directly in the Rewards Center7
  • 2X Points on all other eligible purchases
  • No caps on points earned
  • Up to $120 in statement credits to reimburse your TSA PreCheck® or Global Entry® application fee
 
 
 
 

Redeem2
•Merchandise
•Gift cards
•Travel
•Cash back3

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. ©2024 Elan Financial Services.

Additional Information/ General Terms & Conditions and Rates:
1) Personal/ Consumer Credit Card Additional Information
2) Consumer Rate Sheet 

Account Access- Online and Mobile App Additional Information:
1) Consumer Digital Account Management Reference Guide
2) Consumer Online Account Access Guide

 

Whichever card you choose, you'll enjoy:

  • Zero Fraud Liability9, protects against unauthorized purchases if your card or card number is ever lost or stolen
  • Free employee cards
  • 24x7 account access and support
  • Account and transaction notifications

SMALL TO MEDIUM SIZE

(Less than $5 Million Gross Annual Revenue)

 

 

 

Mastercard®
Business Cash
Preferred Card

Cash back for your business.

  • 5% Cash Back on prepaid hotels and car rentals booked directly in the Rewards Center1
  • 3% Cash Back on eligible purchases at gas and EV charging stations (transactions of $200 or less),* cell phone service providers, office supply stores, and on dining, including takeout and food delivery service purchases1
  • 1% Cash Back on all other eligible purchases
  • $100 Annual Statement Credit for recurring monthly software transactions2

*Excludes discount stores/supercenters and wholesale clubs

 

 

 

Redeem
•Cash back1

 

 

 

 

Mastercard®
Business Real
Rewards Card

Get unlimited rewards for your bottom line.

  • 5.5X Points on prepaid hotels and car rentals booked directly in the Rewards Center4
  • 1.5X Points per $1 spent on all eligible purchases4
  • No caps on points earned

 

Redeem5
•Merchandise
•Gift cards
•Travel
•Cash back6

 

 

Mastercard®
Business Card

Purchasing power for your business.

  • Low Intro Rate
  • Save on interest with a great low introductory rate for an extended time

 

Transfer balances
• Pay down your other
high-rate credit card
balances faster

 

SMALL TO LARGE SIZE

 

 

Smart Business
Rewards
Mastercard®

Earn more where you spend more.

  • 5X Points on prepaid hotels and car rentals booked directly in the Rewards Center7
  • 2X Points per $1 spent in top two spend categories each month – automatically7
  • 1X Points per $1 spent on all other eligible purchases
  • No caps on points earned

 

 

Redeem5
•Merchandise
•Gift cards
•Travel
•Cash back6

 

 

MEDIUM TO LARGE SIZE

($5 Million or more in Gross Annual Revenue)

 

 

Mastercard®
Business
Company Card

Simplify the way you manage cash flow and expenses.

  • Corporate Liability
  • Optional Rewards Program
  • 1 Point per $1 spent on all eligible purchases8
  • Consolidated statements
  • Dedicated account manager

 

 

Redeem
•Merchandise
•Gift cards
•Travel
•Cash back6

 

 

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. ©2024 Elan Financial Services.

Additional Information/ General Terms & Conditions and Rates:
1) Business Rate Sheet
2) Business Credit Cards Additional Information


Account Access- Online and Mobile App Additional Information:

1) Business Online Account Access Guide
2) Business Digital Account Management Reference Guide