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totalREWARDS credit card

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totalREWARDS Consumer Credit CArd

It Takes one Card to Have a Winning Hand

The Education First totalREWARDS Visa® can't be beat! Accepted everywhere in Texas - and all over the world. Using a credit card for purchases can offer better fraud protection and help you build credit - and most importantly - The choice is yours! 

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totalREWARDS Visa® Card Features

Need to replace the tires on your car, but are concerned about the interest charges? With our fixed, low rates, you don't have to worry if you can't pay it off right away. At Education First, our credit cards are designed to give our members the purchasing power they need.

  • No annual fees
  • Interest rates are much lower than most other credit cards
  • Easy Card Management services allow you to lock your card, set spending limits and much more.


Protect Your Credit

Let us know if you're traveling overseas or have misplaced your credit card.

  • If you plan to travel internationally or make an international purchase, stop by a branch or call us at (409) 898-3770 to have the international restriction lifted.
  • To report a lost or stolen card, immediately call Education First at (409) 898-3770 or Visa® at (800) 847-2911 (toll-free). If you're outside the U.S., call collect at (410) 581-9994


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Credit Card Payoff Calculator

Our Credit Card Payoff Calculator helps you eliminate debt with ease. Monitor what you owe, schedule payments and plan for your freedom.

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Balance Transfer Calculator

Come save away! Our Balance Transfer Calculator will determine when your debt will be paid off based on the credit card information you enter.

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Handy Tools at Your Disposal.

Calculate your budget, see and compare the latest rates and discover what perks you gain for being a member of Education First Federal Credit Union.



Take charge of your finances! From big purchases to debt elimination and savings plans, our calculators guide you every step of the way. 

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Check current rates and find out which ones adhere to your loan type.

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Member Perks

When you want a better place to hold your accounts and grow your money, Education First is at the head of the class.

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Have Questions? We're Here to Help.

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