Credit Cards
At Tampa Bay Federal we have the MasterCard Platinum card that will help you get where you need to be.
Start Saving with a 3.99% APR* Balance Transfer.
Are high interest credit cards weighing you down? For a limited time get a low 3.99% APR for 6 months when you transfer a balance to a new or exisitng credit card. Whether you’re looking to simplify payments, save on interest, or pay down debt faster, a balance transfer can help you take control of your finances.
Or, if you already have a Tampa Bay Federal Credit Card, log into Online Banking and select "Credit Card Services" > Open Menu for "Manage Credit Card" > "Balance Transfer".
Which Credit Card is Best for You?
Not all credit cards are the same—and that’s a good thing. Whether you're looking to earn rewards, build credit, or keep things simple with a low rate, Tampa Bay Federal has a card designed to fit your financial goals.
Platinum Rewards
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Low Interest Rate
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Earn 1 point for every dollar spent
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Redeem points for Amazon, Flights, Gifts & More with UChoose Rewards Program
Platinum
Enjoy low rates and no annual fee with our straightforward Platinum Card. It’s a smart, no-frills option for managing your purchases and paying down balances.
- No Annual Fee
- Low Interest Rate
Secured
Build or rebuild your credit with confidence using our Secured Card, backed by a cash deposit. It’s a great first step toward stronger financial health and responsible credit use.
CardValet
Manage your Tampa Bay Federal debit and credit card usage through your mobile device by defining when, where and how your card is used with CardValet®. This free mobile app allows you to take even more control over your debit card usage at home or on the go. Enjoy the benefits of greater fraud protection, spending control and interactive alerts.
- Turn your card "on" or "off" in real-time
- Monitor and control card transactions
- Set spending limits for general use or specify by merchant types
- Establish transaction controls that allow your card to work only in specific locations or geographical areas
Get started today. Download the CardValet® app to your mobile device and customize your settings and preferences.
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Mobile Wallet
Use your Tampa Bay Federal credit or debit MasterCard with Apple, Samsung and Android Pay. Enroll to make purchases at participating retailers and apps. There’s no need to enter payment information, or even have your card.
uChoose® Rewards
How many personal coolers does one person really need? Rewarded for spending? Not unheard of, but now available to our members! Use your Tampa Bay Federal Mastercard® Platinum Rewards Credit Card and earn points and redeem them towards things you wanted to buy anyway! And if you visit our uChoose Rewards Mall you will earn additional redeemable points as well as additional benefits.
Start Shopping Now. Log into your Uchoose Rewards Portal through the desktop version of your Online Banking. Log into Online Banking > under 'Credit Cards' click on 'Card Services' > on your credit card home page choose 'UChoose Rewards"
To contact uChoose Rewards call: 800-337-2077
Mastercard Platinum and Platinum Reward Credit Card Benefits
Doubles the original manufacturer’s (or store brand) warranty. Coverage is for eligible items purchased with your Mastercard. Different benefit configurations are available.
Provides accidental death and dismemberment insurance for accidents that occur aboard a Common Carrier when tickets are purchased with an eligible card. Coverage is available up to $1,000,000.
Pays for physical damage and theft to most rental vehicles. The cardholder must pay for the entire rental transaction with the eligible Mastercard card and decline the Collision Damage/Loss Damage Waiver coverage offered by the car rental company.
Provides cardholders with access to a number of Identity Theft resolution services, should cardholders believe they are victims of Identity Theft. This product offering will alert cardholders about possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of registered personal information in order to detect fraud at its inception. It also provides monthly risk alert / newsletter, resolution services available 24/7 year-round, lost wallet assistance, single bureau credit monitoring, financial account take over monitoring, and URL and domain monitoring.
Provides 24 hour a day,seven day a week customer service assistance with Lost and Stolen Card Reporting,Emergency Card Replacement,Emergency Cash Advance,as well as assistance with locating ATMs and help with account-related questions.
Provides personal assistance via telephone, web, or mobile app including recommendations and reservations for dining, entertainment, and sporting events; also provides executive services.
For full disclosures and more information, view Mastercard Benefits Disclosure.
*A promotional Annual Percentage Rate (APR) of 3.99% will apply to qualifying balance transfers made between July 1, 2026 and August 29, 2026. The promotional APR will remain in effect for six months from the date each qualifying balance transfer posts to your account.
Both new and existing cardholders are eligible for the 3.99% APR balance transfer promotion. Balance transfers can be applied to either a Rewards Platinum or Platinum credit card. This offer is not eligible for Platinum Secured credit cards.
This offer applies only to balances transferred from creditors other than TBFCU. Existing TBFCU balances and loans are not eligible for this promotional offer.
A $10 balance transfer fee will be assessed for each balance transfer transaction. The total amount of balance transfers may not exceed your available
credit limit.
Balance transfers do not automatically close your account with another creditor. You are responsible for contacting your other financial institution directly if you wish to close your account. TBFCU is not responsible for delayed, misdirected, or lost payments to other creditors. Interest begins accruing on balance transfers on the transaction posting date in accordance with your Credit Card Agreement. After the promotional period expires, the standard variable APR disclosed in your Credit Card Agreement will apply to any remaining balance and future transactions. All balance transfers are subject to approval. TBFCU reserves the right to decline any balance transfer request. Subject to credit approval. Other restrictions may apply.