Go to main content RATES LOCATIONS/HOURS HELP Banking Credit Cards Borrow Business Advice Why Tropical Manage My Loan START SAVING MONEY WITH A LOW RATE CREDIT CARD Need Help Deciding Which Card Is Best For You? Speak To A Representative Today. REQUEST A CALL BACK ... COMPARE & CHOOSE THE BEST LOW-INTEREST RATE CREDIT CARD FOR YOU FINDING THE RIGHT CREDIT CARD SHOULDN’T BE A MISSION. QUICKLY COMPARE THE FEATURES & BENEFITS OF YOUR NEXT CREDIT UNION CREDIT CARD. Mastercard Platinum Recommended for: those who pay off their credit card balance a little at a time Low-interest variable rate of 8.99 -16.99% APR No annual fee No Balance Transfer Fee Credit line up to $40,000 APPLY NOW Mastercard Platinum Rewards Recommended for: those who want to earn points to get cash, travel and merchandise rewards Low-interest variable rate of 9.99% -17.99% APR No annual fee No Balance Transfer Fee Earn 1 reward point on all retail purchases APPLY NOW Mastercard Platinum Secured Recommended for: those who need to establish or rebuild their credit Low-interest non-variable rate of 14.99% APR No annual fee No Balance Transfer Fee No over-limit fee APPLY NOW ENJOY EXTRA BENEFITS OF YOUR TFCU LOW RATE CREDIT CARD Mastercard ID Theft Protection Get ahead of identity theft by opting into Mastercard ID Theft Protection. You’ll receive alerts anytime there’s possible ID theft as well as access to resolution services. Sign up here. Mastercard Global Service Receive worldwide 24-hour assistance with lost or stolen card reporting, emergency card replacement and emergency cash advance courtesy of Mastercard. Learn more here Mastercard Airport Concierge Receive worldwide 24-hour assistance with lost or stolen card reporting, emergency card replacement and emergency cash advance courtesy of Mastercard. Get more details here. Rewards Collect rewards with your TFCU credit card and exchange points for cash back, statement credits, travel, gift cards, merchandise and more through UChoose.com. CardValet Control your card and reduce fraud through CardValet. This free app lets you set spending limits, turn your card on/off, review balance & transactions and more. 24/7 Card Assistance Need help with your card? Whether you’re traveling, reporting a card lost/stolen or have a question use the number on the back of your card for 24/7 assistance. “In just minutes I was able to obtain a $10,000 credit card. It was seamless, it was easy, the people are friendly, and I highly recommend Tropical Financial to everyone.” Ron Member since 2014 FAQ’s for our Low Rate Credit Union Cards How do I make a payment on my Tropical Financial Credit Union credit card? Cardholders have different options when it comes to paying on their TFCU credit cards to meet their needs. Payments can be made through online banking, our mobile app, in branch or by phone. Automatic payments can also be set up to ensure no payment is missed. Setting up automatic payments to your credit union credit card is free through online banking and the mobile app. How can I increase my limit on my credit union credit card? You can request to increase the limit on your TFCU credit card through online banking or by calling a TFCU representative at 1-888-261-8328. Can I transfer balances from other credit cards to a Tropical Financial credit card? Balance transfer can be done from both TFCU and non-TFCU credit cards. Balance transfer on our Platinum series have a $0 fee. Balance transfers can be done via online banking, through our mobile app or over the phone. How long does it take to receive my TFCU credit card? Once an application is approved, it typically takes 7-10 business days to receive your TFCU credit card via mail. How do I replace a lost or stolen TFCU credit card? If your credit card was lost or stolen, you can report it 24/7 by logging into your online banking portal. Lost or stolen credit cards in the US can be reported by calling 1-855-441-7713 and international 301-945-3580. What should I do if there a fraudulent charge on my TFCU credit card? To dispute any fraudulent charges on your TFCU credit card call the number on the back of your card (1-855-441-7713) immediately. To dispute any charges through online banking visit the "credit card" tab and find "account history" to complete required forms. What other benefits does my Tropical Financial Credit Union credit card have? All TFCU credit cards feature these benefits in addition to those listed in our “Benefits” section: Compatibility to use Google Pay, Apple Pay and Samsung Pay Dedicated fraud protection team EMV chip for enhanced security $0 confirmed fraud liability guarantee Please review our Credit Card Agreement for full details. All loans subject to approval based upon creditworthiness, qualifications and collateral conditions. TFCU membership required with $5.00 minimum in savings. Must reside in a state within TFCU lending area.Current TFCU accounts must be in good-standing, not have any type of restrictions, and TFCU loans paid-to-date. 1 Platinum Rewards Mastercard - You will earn 1 reward point for each $1 of net purchases. Terms and conditions for the Rewards program apply. The CURewards® program rules will be mailed after the account is opened. All other transactions continue to earn 1 point for every $1.00 spent. 2 Balance Transfers. Please allow up to 3 weeks for us to complete your balance transfer request. You will need to continue to make payments according to the terms of the other agreements. We do not close your other account(s) even if you transfer the entire balance. We may refuse to process a transfer if it would exceed your credit limit. APR = Annual Percentage Rate. APR will initially be determined by your creditworthiness at the time of application. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Other eligibility requirements may apply. Mastercard Platinum and Mastercard Platinum Reward credit cards are offered with a variable rate based on, and changing with, the Prime Rate. Rates and terms are subject to change at any time. Other conditions may apply. Membership eligibility required with $5 in savings. THIS CREDIT UNION IS FEDERALLY-INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION. NMLS ID 407683. DISCLOSURES | SECURITY | CONSUMER FEE SCHEDULE | BUSINESS FEE SCHEDULE | ACCESSIBILITY STATEMENT | PRIVACY NOTICE | ABA ROUTING # 267077847 | P.O. BOX 829517, PEMBROKE PINES, FL 33082-9917 | 888-261-8328 THIRD PARTY LINK DISCLAIMER - LINKED WEBSITES ARE NOT UNDER THE CONTROL OF TROPICAL FINANCIAL CREDIT UNION AND WE ARE NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED WITHIN A LINKED SITE. THE PRIVACY OR SECURITY POLICIES AT A LINKED SITE MAY BE DIFFERENT FROM THOSE PRACTICED AT TROPICAL FINANCIAL CREDIT UNION AND YOU SHOULD REVIEW THE PRIVACY POLICY OF ANY LINKED SITE. COPYRIGHT 2020 TROPICAL FINANCIAL. ALL RIGHTS RESERVED.