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Cy-Fair Federal Credit Union Day Platinum Credit Card review

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.
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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

Annual fee$0
Welcome offerN/A
Rewards1x points for every $2.00 spent
Purchase APR16% variable
Balance transfer APR0% intro for the first 6 months (then from 16% variable)
Minimum Credit Score670
IssuerMastercard
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Review by


Kliment Dukovski is a credit cards and investments 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.

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.

Cy-Fair Federal Credit Union Day Platinum Credit 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.

Cy-Fair Federal Credit Union Day Platinum Credit Card drawbacks

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.

Compare rewards credit cards

If this card isn’t right for you, compare other products. Find a credit card that best fits your financial needs by considering factors such as its annual fee, APR and rewards.

Name Product Welcome Offer Rewards Annual fee Filter values
BlockFi Bitcoin Rewards Credit Card
Up to $100 in Bitcoin rewards by earning 3.5% back in Bitcoin on all purchases in the first 90 days
3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin, then 1.5% on all purchases
$0
Earn 3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin. After that you'll earn a solid 1.5% back on all purchases.
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases
$250

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Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
Earn a $200 statement credit after spending $2,000 in the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)
$0
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
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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.

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