Bourns EFCU Go to main content search button


Apply Today!

credit card low fixed rates, rewards

Enjoy the BEST Credit Card in Town!

A credit card that has it all!

Low FIXED rates

Earn reward points for every dollar spent on a purchase

Reward points– Merchandise or Cash

No annual fees

No cash advance fee/No balance transfer fee

Seasonal Promotions– Balance Transfers, Flash Reward Points


In order to apply, please provide proof of income:

 by fax: 951-602-6562

by email:

or in person. including

- 2 most recent pay stubs

- Previous year's w2

- 1 Month Bank Statement


- 2 years of tax returns- All pages

- 1 Month Bank Statement


-Award letters from pension and/or social security

- 1 Month Bank Statement

apply now

Or, call toll free: 1-888-456-3503

Start saving by transferring that high rate credit card, today!

Talk with one of our knowledgeable and friendly Member Service Representatives.

Transfer your balance today! Download form and email to

  • When returning balance transfer form, please include the first page statement of the card you are transferring.
  • Please allow 7-14 business days for balance transfer to process.
  • If you have a minimum payment that needs to be paid, please make the payment yourself.


image of visa credit card Credit Cards

Earn ScoreCard Rewards™ on every purchase dollar you spend with BEFCU's Visa credit card

 Earn a point for every dollar spent.
Redeem points for travel, merchandise, or cash back.


Enroll today to ensure your online credit card purchases are secure!

Low Fixed Rates

Loan rates, terms and amounts financed will vary according to credit qualification and are subject to change.

Type of Card Credit Limits Minimum monthly payment Rewards
Platinum Plus
$1,000 to $20,000 2% of balance Travel, Merchandise & Cash Back

VISA Credit Card Disclosures

Annual Percentage Rate for Purchases, Cash Advances and Balance Transfers for the most qualified applicants*
Platinum Plus: 7.99%
Grace Period for Repayment of Balance for Purchases You have 25 days to repay your entire balance for purchases before a finance charge is imposed.
Balance Calculation Method for Purchases Average Daily Balance, including new purchases.
Annual Fees: None
Cash Advances Fee: None
Late Fee: $25.00
Over the Limit Fee: $25.00
Balance Transfer Fee: None

The information is accurate as of June 1, 2023

* Offering rates are subject to change without notice. 

Stop by and see a Member Representative for more information on our loans and credit cards or

email us <-- Click here to email us


Monday-Wednesday 10 AM - 4 PM Phone calls will be answered
9 AM - 5 PM
Thursday 10 AM - 4 PM Phone calls will be answered
10 AM - 5 PM
Friday 10 AM - 4 PM Phone calls will be answered
9 AM - 5 PM

Victorville: Closed for lunch 1PM-2PM

Monday-Wednesday 10 AM - 4 PM Phone calls will be answered
9 AM - 5 PM

10 AM - 4 PM

Phone calls will be answered
10 AM - 5 PM
Friday 10 AM - 4 PM Phone calls will be answered
9 AM - 5

Go to main navigation