Credit cards for individuals

Everence Federal Credit Union offers personal credit cards designed to fit different goals. Earn cash back on everyday spending with the Everence Everyday Rewards Credit Card or support your favorite charitable organization with every purchase using the MyNeighbor Credit Card.
Tap to pay being used to buy groceries in a reusable bag.
FEATURES

Two cards, one mission-driven relationship

Whether you want to earn cash back on everyday spending or support your favorite charitable organization, Everence Federal Credit Union offers a credit card designed to fit your priorities. Compare the Everence Everyday Rewards Credit Card and MyNeighbor Credit Card to find the option that's right for you – or consider getting both!

Image of the Everence Everyday Reward cash back credit card.

Everence Everyday Rewards Credit Card1

Earn cash back on everyday spending, including eligible grocery, gas and EV charging purchases.

  • Cash back rewards
    Earn 3% cash back on eligible grocery, gas and EV charging purchases and 1% cash back on all other eligible purchases.
  • No annual fee
    Enjoy the benefits of rewards without paying an annual fee.
  • Automatic cash back deposits
    Rewards are automatically deposited into your designated Everence Federal Credit Union checking or savings account.
  • Simple rewards structure
    No rotating categories to activate. Earn rewards on purchases you already make every day.
  • Card controls
    Lock and unlock your card, and set up transaction alerts through our mobile app.
  • Secured with chip technology
    Equipped with chip technology for enhanced security and protection.
  • 24/7 card support
    Cardholders can call our card support number any time on any day.
  • Convenient
    Access your account through online banking or the mobile app. Cards include tap-to-pay technology for faster checkout.
Individual MyNeighbor Credit Card

MyNeighbor

Earn donations for your favorite charitable organization through your regular shopping routine.

  • No annual fees
     All Everence credit cards have no annual fees and no interest charged on purchases if paid within 25 days of the statement date.
  • 24/7 card support
    Cardholders can call our card support number any time on any day.
  • Secured with chip technology
    Our cards are equipped with chip technology for enhanced security and protection.
  • Card controls
    Lock and unlock your cards and set up transaction alerts through our mobile app.
  • Low cost
    No annual fee, no cash advance or domestic transaction fees2, 8.90% to 16.90% annual percentage rate (APR)3 on unpaid balance.
  • Convenient
    Access your account through online banking or the mobile app. Cards include tap-to-pay technology making payments even easier.
  • Secured credit cards
    We also offer secured credit cards - please contact the credit union to discuss this option.
Woman using credit card on phone while sitting in a cozy house.

0% intro APR on balance transfers for 12 months4

Get temporary relief from interest on any existing balance when you move your balance to Everence Federal Credit Union during this limited time offer. A 3% balance transfer fee applies. Offer expires March 31, 2027. Eligibility requirements, fees, terms and conditions apply.

Balance transfer calculator

Contactless payments

Add your card to mobile wallets

Everence members with an Everence Everyday Rewards Credit Card, MyNeighbor Credit Card or debit card can use their mobile device to make purchases anywhere contactless payments are accepted. Simply add your card to Apple Pay, Google Pay or Samsung Pay to get started.

Customer service

Credit card resources

Credit limit increase request

You can request a credit card limit increase through our online form. Your request for an increase to your credit limit is subject to the approval of Everence. 

Traveling?

Are you planning a trip? Let us know so we can help prevent issues with your cards while traveling!

Log in to online banking and select "Travel Alert" in the "Member Services" section.

Lost card

If your Everence Federal Credit Union Mastercard credit card is lost or stolen, please call 800-451-5719.

International cardholders may also call 800-451-5719.

Dispute a charge

If you wish to dispute a charge on your credit card account statement, please call 800-451-5719.

Disclosure

Before applying, please review the Mastercard credit card disclosures for the Everence Everyday Rewards Card or the MyNeighbor Card.

1Receive a 0% intro APR on balance transfers for 12 months. A 3% balance transfer fee applies. After the promotional period ends, the standard APR (17.99% as of September 1, 2026) applies to any remaining balance. Standard APR applies to purchases and cash advances. Interest begins to accrue on balance transfers as of the date the transfer posts. Offer expires March 31, 2027. Eligibility requirements, fees, terms and conditions apply. See everence.com/rewards for complete promotional details. Contact us for current rates.

2Cardholders are subject to a foreign transaction fee for any transaction completed by any means with a person or business located outside of the U.S. including transactions effected while the cardholder is physically in the U.S. at the time of the transaction.

3APR based on credit approval.

47.99% variable APR. Earn 3% cash back on eligible grocery, gas and EV charging purchases and 1% cash back on all other eligible purchases. Cash back rewards are automatically deposited into an Everence checking or savings account. Maximum cash back reward is $250 per month; minimum redemption is $5. Certain restrictions and limitations apply. Visit everence.com/rewards for complete details.

Everence Federal Credit Union is federally insured by NCUA.