Visa^® Credit Card

At SMCU, you can have a credit card that offers you flexibility, low rates, great rewards and peace of mind. That’s because having a Visa® credit card with your credit union means you have a trustable financial advisor who will patiently explain how to get the most out of your card, how to avoid fees and how to keep your credit safe.

Features:

• No annual fee
• No over limit fee
• 25-day grace period on purchases
• CU Rewards™ for travel and merchandise
• Easy payments online or through auto pay

View your Visa^®

To view your SMCU Visa® Credit Card activity and history online, log into Online Banking and click the Visa tab at the top

Balance Consolidation

Consolidating your balances to one card lowers your interest and allows you to manage your finances in one place. 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.

CU Rewards™ - Earn Points for Free Merchandise & Travel

• 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.
• Redeeming your points is quick and easy through the CURewards points Web site at CU Rewards^™
• One dollar charged equals one reward point. No points are earned for cash advances, convenience checks or balance consolidation.
• Equity Platinum and Saving Secured Visa^® cards are not eligible for the CU Rewards program.

Design Your Own Card

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. To get started, log into Online Banking, go to the Visa^® section, and click the image that reads "Click Here to Design Your Own Card" in the Visa^® section.

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

Visa^® Gift Cards

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 $3.95. 

Click for complete details about Visa Gift Cards.

Report a Lost or Stolen Card

Credit Card Agreement

Credit Card Pricing Information

Service Fees Schedule

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