Cy-Fair Federal Credit Union Day Platinum Credit Card review | finder.com

Cy-Fair Federal Credit Union Day Platinum Credit Card review

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Cy-Fair Federal Credit Union Day Platinum Credit Card

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.
Product NameCy-Fair Federal Credit Union Day Platinum Credit Card
Card TypeMastercard
Annual Fee$0
Standard Purchase APR16% variable
Intro Purchase APR

N/A

Standard Balance Transfer APR16% variable
Intro Balance Transfer APR 0% for the first 6 months (then 16% variable)
Minimum Age18 years of age
Base Rewards0.5x points

The basics

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.

Another credit card for reward donation

Charity Charge World Mastercard® Credit Card

  • Cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice
  • Intro purchase APR
  • Intro balance transfer APR
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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 16% 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.

What to watch out for

    • No intro APR period on purchases.
      The card comes with an intro APR period on balance transfers but not on purchases. Compare other cards for a 0% intro APR on purchases.

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
$150 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
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
3% cash back bonus on up to $10,000 in the first 12 months, then 1.5%
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
$150 after spending $1,000 in the first 3 months
1.5% cash back on all purchases
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees

Compare up to 4 providers

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.

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