Broadview Lightning
Broadview Federal Credit Union. and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Broadview Federal Credit Union.. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Broadview Lightning from Broadview Federal Credit Union. earns up to 3% effective value on grocery in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Grocery
- Effective value
- 3%
- Annual fee
- $0
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 3% back.
What does the Broadview Lightning earn in each category?
Grocery is the strongest category at 3% effective value (3% back). That grocery rate ranks higher than about 97% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Broadview Lightning compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries at 3x among the top bonus categories.
Grocery is the strongest category at 3% effective value (3% back). That grocery rate ranks higher than about 97% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Broadview Lightning compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 3% back | 3% Top category |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Broadview Lightning reward caps and conditions?
The Broadview Lightning has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 3X points on groceries
- 2X points on online purchases
Who should get the Broadview Lightning?
The Broadview Lightning fits spenders who put meaningful volume in grocery and can earn 3% back. Best for spenders who put meaningful volume in grocery and can earn 3% back.
Broadview Lightning fits spenders who put meaningful volume in grocery and can earn 3% back. Madeen ranks its grocery effective rate higher than about 97% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 3% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 3% effective (3% back).
- That grocery rate ranks higher than about 97% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Broadview Lightning have an annual fee?
The Broadview Lightning has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Broadview Lightning?
The Broadview Lightning includes Global emergency services, HealthLock, Instacart in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Mastercard ID Theft Protection™
$10/yrMastercard ID Theft Protection alerts you to possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information. It also provides you with resolution services should you find yourself a victim of identity theft.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard Golf
$10/yrGet exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Mastercard Travel
$10/yrBrowse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Priceless Experiences
$10/yrEnjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the Broadview Lightning
Where do cardholders spend most with the Broadview Lightning?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (3x), online marketplaces (2x) for the Broadview Lightning. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Broadview Lightning have an annual fee?
The Broadview Lightning carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Broadview Lightning?
Grocery is the strongest Madeen category for the Broadview Lightning at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Broadview Lightning charge foreign transaction fees?
The Broadview Lightning does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Broadview Lightning?
Madeen's catalog lists a typical credit range of Good for the Broadview Lightning. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Broadview Lightning?
Rewards on the Broadview Lightning post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Broadview Lightning compare to similar cards?
Compare the Broadview Lightning against Broadview Credit (1% on Dining, $0 fee); Broadview World (1% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Broadview Lightning This card | Grocery | 3% | $0 |
Broadview Federal Credit Union. | Dining | 1% | $0 |
Broadview Federal Credit Union. | Dining | 1% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Broadview Federal Credit Union. and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Broadview Federal Credit Union.. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure