Online & Mobile Banking Maintenance on 11/22 from 9:30pm to 10:30pm (click to learn more)

We will perform maintenance on November 22th, from 9:30 p.m. until 1:30 a.m. PT. Online and Mobile Banking services will be unavailable during this time. Thank you for you understanding.

Credit Cards

Share-Secured Student VISA Credit Card

An SMCU VISA® Platinum Card

The credit card you use can say a lot about you. It can show you are a world traveler or that you support animal rights. Your card can say that you love the outdoors or that your kids are the most important thing in the entire world.

When you choose a Seattle Metropolitan VISA® credit card, you can still say all those things and a few more. Your SMCU VISA can say that you are a savvy consumer who values great rates and low fees as much as you do miles and rewards. It can tell people that you are a Seattle original who supports local companies and the important work they do for our Puget Sound community.

When you choose a Seattle Metropolitan VISA, you are saying that you’ve seen what’s out there and you want something better. You’re saying that you want:

  • Low interest rates
  • No annual fee 
  • No balance-transfers fees
  • CURewards™, one of the best credit card rewards programs in the industry
  • The ability to customize your credit card with designs that are uniquely you 
  • Verified by VISA to help protect you from credit card fraud when you shop online
  • Easy account management via SMCU's Free Online Banking
  • A 25-day grace period on purchases

SMCU also offers Secured VISA Credit Cards and VISA Gift Cards. 

 

SMCU VISA with rewards you really want. Act now and earn double points through 2014

Get Rewarded with an SMCU Visa®

Get rewarded for shopping this holiday season when you use your SMCU Visa Credit Card. In addition to enjoying one of the lowest rates in town, you can earn and redeem points for some of the most sought after items in the CURewards® catalog. Favorites include name-brand DSLR cameras, HD TVs, top-of-the-line gaming systems, and air travel on your terms.

 

Plus, between now and the end of the year:

 

  • Earn double points on all purchases
  • Get 5,000 bonus points instantly for opening a new Visa
  • Design your own unique card for free

  • See Full Details

     

    CUREWARDS

    All SMCU cardholders will earn double CURewards points on all purchases (cash advances excluded) made with their SMCU Visa between October 1 and December 31, 2014.

     

    Members who open a new Visa credit card with SMCU between October 1 and December 31, 2014 will receive 5,000 bonus CURewards points upon opening their account.

     

    See CURewards.com for details on how points are accrued and redeemed.

     

    DESIGN YOUR OWN CARD

    Between October 1 and December 31, 2014 you can design your own card for free (regularly $9.95.) You can choose from our library of hundreds of images or upload your own to make your card uniquely you. To get started, log-in to Online Banking, click "View Your Visa" and select "Design Your Own Card".

     

    THE FINE PRINT

    RIGHT TO DECLINE: Under certain circumstances (as described in the Credit Card Account Agreement), we may decline to process your application or transaction, in which case you will be notified.

     

    OFFER END DATE: This is a limited time offer, valid only during the promotional period between October 1, 2014 and December 31, 2014.

     

    RESTRICTIONS: Equity Platinum and Savings-Secured Visa cards are not eligible for the CURewards program.

     

    RATE: APR is Annual Percentage Rate. Rates range from 6.99% to 17.99% as of 10/1/14. APR reflects any prepaid finance charges and is subject to change without notice. Rates/financing are offered based on applicant's credit qualifications and other underwriting criteria.

     

    CREDIT CARD ACCOUNT AGREEMENT: For further details about terms and conditions on your account, please refer to the Credit Card Account Agreement.

Apply Now

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

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

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.

CURewards

Earn Points With Every Purchase

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 CURewards®, a great rewards program that lets you earn points for every dollar you spend.

  1. Choose from a huge variety of name-brand merchandise. Redemption levels start as low as 2,500 points.
  2. 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 CURewards travel partner Montrose Travel.
  3. Every dollar charged equals one reward point1.
  4. Earn even more points by shopping with merchants from the CU Rewards Mall.
  5. Redeeming your points is quick and easy through the CURewards points Web site at CU Rewards™.

VISA® Gift Cards

Give the gift of anything! 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.

 

Purchase Now

Secured VISA® Credit Cards

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.

 

Apply Now

design your own card

Design Your Own Card

You can now customize your card by uploading your own photograph or artwork, or by choosing from a catalogue of hundreds of distinct images. It can be a picture of your family, a snapshot from your favorite lookout, or an illustration of your puppy. It’s up to you2.

 

To get started log-in to Online Banking, click "View Your Visa" and select "Design Your Own Card".

Verified by VISA

Added Security and Peace of Mind

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.

 

Through our secure authentication process, your identity is protected and confirmed, with your personal password, each time you purchase at a participating merchant site.

 

Register Your Card

DISCLOSURES

 

1 No points are earned for cash advances or balance consolidation. Equity Platinum and Saving Secured Visa® cards are not eligible for the CURewards™ program.

 

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

 

Rates

 

Auto Loans as low as*

 

1.49%APR

Certificates as high as*

 

1.00%APY

Checking as high as*

 

6.14%APY

Credit Cards as low as*

 

6.99%APR