Empower your journey—one purchase at a time.
The Ellafi Platinum Rewards Credit Card is designed for women and those who support them, offering meaningful rewards for everyday spending. Earn points for every dollar you spend—redeemable for travel, gift cards, merchandise, and more. Whether you're caring for loved ones, planning your next adventure, or simply treating yourself, Ellafi is here to support your financial goals and celebrate the strength in your everyday choices. Because when you thrive, communities grow stronger.
Visa Platinum Rewards Card Benefits
- Introductory rate of 1.99% APR on purchases, balance transfers and cash advances for 6 months*
- No annual fee
- No balance transfer fee
- Generous credit line
- Low standard APRs
- EMV chip for enhanced security
- Visa Platinum Rewards guide to benefits
Exciting rewards and redemption options
- 2x rewards points on every dollar spent on gas, groceries, and dining in the first 90 days2
- Earn one reward point on all other purchases.
- Rewards on travel, merchandise, gift card and event/experience redemption options.
*Click here for disclosure information.
Greater Security
All Ellafi Federal Credit Union Visa® credit cards come equipped with EMV chip technology. Enjoy global acceptance and enhanced security when you use your credit card domestically and internationally at merchants with terminals that are chip enabled.
Online Banking
Completely manage your credit card online with Ellafi Federal Credit Union Online Banking. Check balances, manage payments, conduct balance transfers, and more. We call this convenience at your fingertips.
Free Balance Transfers
You can easily transfer balances from your other credit cards to take advantage of the Visa® Platinum Rewards card benefits. You can transfer balances at any time, and we’ll never charge you a balance transfer fee. Get a transfer started by stopping by one of our branches and speak with a member of our team.
Make an appointment with our team in the branches!

Do you have questions about your account? Do you need to apply for a loan or a credit card?
If you schedule an appointment online, you can choose the time and date that works best for your schedule to come into a branch. You can avoid waiting in the lobby when you need financial help.
Upload Credit Card Documents
Ellafi Federal Credit Union makes it a priority to ensure your personal and financial information is protected. In this day and age of conducting business electronically, it is important that sensitive documents are sent securely.
For this reason, Ellafi Federal Credit Union provides a secure online method to safely send sensitive documents directly to us using Docusign. Based on the type of documents that you need to send to us, please utilize the corresponding link below to upload your sensitive files and/or documents to us.
Lost or Stolen Credit Card
If your credit card was lost or stolen, please call us at (844) 675-1063.
Frequently Asked Questions
How do I access and manage my points?
To access the new Rewards Program, log into Online Banking or the Mobile App and look for the Cards in the menu on the top. You will see images of your cards. Click on Manage for more details. Once you’re in the rewards site, you’ll see instructions for redeeming your points. Here, you can view your current points balance, E-Statements, and explore all the exciting new rewards.
What types of merchants are in the 'gas' category?
Gas station merchants may include and are not limited to those in the following categories: automotive gasoline that can be paid for either at the pump or inside the station and may or may not sell other goods or services at their location. Please note that some merchants that do not specialize in selling automotive gasoline are not included in this category; for example, truck stops, boat marinas, oil and propane distributors, home heating companies, fuel dealers–coal, fuel oil, liquefied petroleum, wood may or may not be included in the gas station category unless the merchant has set up such purchases to be classified in the gas station category.
What types of merchants are in the 'grocery stores' category?
Grocery store merchants may include and are not limited to those in the following categories: merchants that offer a full service grocery line of merchandise including a deli and bakery as well as smaller grocery stores. Please note that some merchants that sell grocery items are not included in this category; for example, larger stores that sell a wide variety of goods and groceries, such as warehouse clubs, discount stores and some smaller merchants such as drugstores, merchants that specialize in only a few grocery items, purchases made at gas stations from merchants who also operate grocery stores, and delivery services are not included in this category unless the merchant has set up such purchases to be classified in the grocery stores category.
What types of merchants are in the 'dining' category?
Dining merchants may include, but are not limited to, restaurants, fast food establishments, cafés, bars, lounges, and other places primarily engaged in preparing food and beverages for immediate consumption. This can include sit-down dining, takeout, and delivery when purchased directly from the restaurant. Please note that food purchases made through third-party delivery services (such as DoorDash or Uber Eats) may not qualify if the service provider is not categorized as a dining merchant. Additionally, food purchased at grocery stores, convenience stores, or entertainment venues (like movie theaters or stadiums) may not be included in the dining category unless the merchant’s classification is designated as dining by the card network.
1Annual percentage rate. 1.99% APR valid for new cards for purchases, balance transfers and cash advances for the first six (6) months. After that your APR will be 13.95% to 17.95% based on your creditworthiness. Click here for disclosure information.
2Ellafi does not have the ability to control how a retailer chooses to classify their business and reserves the right to determine which purchases qualify for Rewards points. Rewards points are not accrued for returned purchases, balance transfers, finance charges, fees, cash advances, purchases of cash or cash equivalents (prepaid debit cards or other stored value/reloadable cards), interest charges, gambling chips, lottery tickets, travelers’ checks, or insurance. Points have no cash value until redeemed.