Seattle Metropolitan Credit Union
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(866) 820-4930

Debit/ATM Card
(206) 398-5500
(800) 334-2489
(888) 918-7735 (after hours)


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 SMCU's VISA® Credit Card

A Seattle Metropolitan Credit Union VISA® is one of the best free credit cards in the Northwest. A full-featured reward card, the SMCU VISA offers:

SMCU also offers Secured VISA Credit Cards and VISA Gift Cards. Click the links to learn more.

Compare SMCU's VISA to the Big Guys


(Apply Now)

Capital One Quicksilver® Rewards Card

Chase Freedom® Card

Bank of America Travel Rewards Card

Discover ® More Card

Interest Rate 6.99%  - 17.99% 12.9% - 22.9% 13.99% -22.99% 14.99% -22.99% 10.99% -22.99%
Annual Fee $0 $0 $0 $0 $0
Rewards Travel & Merchandise Cash Cash Travel Cash
Balance Transfer Fee $0 3% 3%
($5 min)
($10 min)
Cash Advance Fee 3%
(no min)
($10 min)
($10 min)
up to 5%
($10 min)
($10 min)
Late Payment Fee $25 up to $35 up to $35 up to $35 up to $35
Returned Check Fee $25 up to $35 up to $35 up to $25 up to $35
Terms & Conditions (click here) (click here) (click here) (click here) (click here)

Information retrieved from individual card issuer websites and is accurate as of 4/18/2014. SMCU Rates effective 2/1/2014

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An SMCU VISA Saves You Money

Save on Purchases

If you carry a balance on your credit card, you know that monthly finance charges on purchases can get pretty expensive. You could save hundreds of dollars a year in interest by switching to an SMCU VISA credit card as your primary credit card. Whether your credit is spotless or has a few blemishes, SMCU offers rates that are lower than most other credit-card providers.

Save When You Transfer Balances from High-Rate Cards and Pay No Balance Transfer Fee.

Consolidating your balances to an SMCU VISA credit card can lower your interest and allow you to manage your finances in one place. Unlike some of the national credit card companies, SMCU doesn’t charge a balance transfer fee. Drop by a branch or log into Online Banking to fill out a simple form and we'll handle all the details. You'll save with SMCU's low rate on all balance transfers, plus you'll enjoy the convenience of just one monthly payment. For more information, call our Contact Center at (206) 398-5500 or (800) 334-2489.

Pay No Annual Fee and Lower Overall Fees than with the National Card Companies.

Because SMCU is a credit union, we charge fewer and lower fees than for-profit banks do. The same is true for SMCU's VISA. At SMCU, you’ll pay no annual fee for one of the best reward credit cards you’ll find anywhere in the Puget Sound. Plus, if you accidentally miss a payment or need to make a cash advance from your card, you’ll pay less than you would with the national card issuers.

CU Rewards: One of the Best Reward Programs Anywhere!

SMCU’s credit cards would still be an outstanding value without a rewards program, but to make them even more irresistible, every SMCU VISA comes with CU Rewards, a great rewards program that lets you earn points for every dollar you spend.

  • Choose from a huge variety of name-brand merchandise. Redemption levels start as low as 2,500 points.
  • Use your points for travel awards and go almost anywhere in the world via air, rental car, or cruise ship. Redeem online to book air travel with CU Rewards travel partner Montrose Travel.
  • Every dollar charged equals one reward point*.
  • Earn even more points by shopping with merchants from the CU Rewards Mall.
  • Redeeming your points is quick and easy through the CURewards points Web site at CU Rewards
*No points are earned for cash advances or balance consolidation.
Equity Platinum and Saving Secured Visa® cards are not eligible for the CU Rewards program.

Personalize your SMCU VISA with One of our Unique Designs or Upload One of Your Own.

You can now customize your card by uploading a personal image or choosing from a catalogue of hundreds of distinct images. It can be a picture of your puppy or a snapshot from your favorite lookout. It’s up to you.

(Some restrictions apply. Design your own card fee is $9.95. For full details view the Design Your Own Card: Frequently Asked Questions)

Verified By VISA Keeps You Safe When You Shop Online

SMCU is a Verified by Visa card issuer. When you use your SMCU Visa Card or SMCU Debit Card to make online purchases, Verified by Visa will provide added safety to make your online shopping secure.

Verified by Visa

Register your Visa credit or debit card
Learn more about Visa security

Secured VISA® Credit Cards Can Help Rebuild Bad Credit

If your credit could use a little help getting back on its feet, a secured credit card from Seattle Metropolitan could be the answer you’re looking for.

What is a secured credit card?

Secured credit cards use a savings account or other deposit as collateral. Your credit limit is usually equal to the amount in your account. You use a secured credit card just like you would any other credit card to make purchases, and you are billed monthly for charges. Your good payment history is reported to the credit bureaus to help re-establish your credit.

A secured VISA credit card from SMCU can also be a great way to establish credit for young adults who haven’t had time to build a credit history. SMCU offers secured credit cards to members as young as 16 as part of our Student Checking program.

VISA® Gift Cards: the Easy, Secure Way to Send Cash for Special Occasions.

VISA Gift cards offer the freedom for people to choose the exact gift that they want, because it’s accepted at over a million locations. And because Visa Gift Cards can be replaced if lost or stolen, they are much safer than giving cash. SMCU’s Visa Gift Cards work similar to debit cards, but they have a prepaid value between $20 and $500. Visa Gift Cards are perfect for any occasion and are available at every SMCU branch for just $3.95.

Click for complete details about Visa Gift Cards.


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CU SERVICE Equal Housing Opportunity Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government Agency. BBB
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