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Cy-Fair Federal Credit Union Day Platinum Credit Card review

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Earn points on your purchases and save money on balance transfers.

  • Get this card if you are a member of the union and want a reward credit card.
  • Pick something else if you want an intro APR period on purchases or a higher rewards rate on purchases.
  • Apply with a good to an excellent credit score of or higher.

Up to 1x

Points

$0

Annual fee

16%

Purchase APR (variable)

0%

Intro balance transfer

for the first 6 months (then from 16% variable)

Details

Product NameCy-Fair Federal Credit Union Day Platinum Credit Card
Card typeMastercard
Annual fee$0
Purchase APR16% variable
Balance transfer APR0% intro for the first 6 months (then from 16% variable)
Cash advance rate18% variable

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Cy-Fair Federal Credit Union Day Platinum Credit Card lets you earn rewards on purchases and use an intro APR period on balance transfers. But what separates this card from competition is that a portion of each eligible transaction goes to a non-profit organization in your community.

Keep in mind, if you’re not eligible for a Cy-Fair Federal Credit Union membership, you won’t be able to apply for the card.

Card benefits

  • Reward points.
    Earn 1 point for every $2 spent. That’s essentially 0.5x points, which is lower than the 1.5x the rate most other credit cards offer.
  • Intro APR period on balance transfers.
    Use 6 months of 0% intro APR period on balance transfers. A variable APR of applies thereafter.
  • No balance transfer fee.
    You also save money without paying for balance transfer fees, which can be up to 5% with other cards.
  • Charitable donations.
    You can choose a non-profit organization to benefit from your signature-based transactions of $5 or more. This includes Boys & Girls Country, Boy Scouts, Habitat for Humanity, Texas Water Foundation and more.
  • No annual fee.
    You won’t pay a fee to own the card.

How does Upromise Round Up work?

Upromise Round Up is an optional feature that lets you round your purchases to the nearest dollar. The rounded amount posts to your account as a separate transaction, which you then receive cash back on. Unfortunately, the wording on Barclays site is a little confusing as to how this works, so here’s a simpler breakdown.

When you turn on this feature, you must choose a dollar “threshold.” You can choose between $1 and $500.

If you make a purchase that is beyond your set threshold – let’s say $50 in this case – Barclayscard will stop rounding your purchases to the next nearest dollar.
Purchase

PurchaseRounds to
$34.29$35.00
$49.50$50.00
$51.50No rounding

It’s important to note that Barclayscard isn’t fronting the difference here. This amount added for rounding is coming out of your credit card account. You’ll only want to turn this feature on if you want to maximize your cash back and don’t mind spending a little extra to do so.

What to watch out for

How to apply for the Cy-Fair Federal Credit Union Day Platinum Credit Card

  1. Visit the Cy-Fair Federal Credit Union website and locate the card.
  2. Click either Open an account, Yes, I’m ready to apply or Get your day or night platinum card.
  3. At the next section, click Apply for a credit card.
  4. Enter your email and password and fill out the application form.
  5. Review the form and submit.

Do you need Cy-Fair Federal Credit Union membership to apply for the card?

Yes, but you can also apply for membership after you apply for the card. To be eligible for the union’s membership, you must:

  • Live, work or attend school within the boundaries of Harris County.
  • Live, work or attend school in Waller County at these zip codes: 77423, 77445, 77484, 77446 and 77447.
  • Be an immediate family of a Cy-Fair Federal Credit Union members.

What credit score do I need?

You need a good to an excellent credit score of 670 or higher.

Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
$200 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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Bottom line

The Cy-Fair Federal Credit Union Day Platinum Credit Card may be a good option if you’re eligible for Cy-Fair Federal Credit Union membership. The card allows you to save money on balance transfers, earn rewards and donate to local non-profit organizations by making eligible purchases with your card.

But if the card doesn’t seem appealing, compare other credit cards until you find the right one for your financial situation.

Frequently asked questions

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