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Credit Card Interest Rates

CREDIT CARDS:RATES STARTING AT:
Visa® Everyday Card12.90% - 18.00% APR*Apply Now
Visa® Signature Everyday Elite Card18.00% APR*Apply Now
Visa® Everyday Starter Card18.00% APR*Apply Now

Find the Right Visa Credit Card for You

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Visa Everyday Preferred Credit Card

Visa Signature Everyday Elite Card

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Visa Everyday Starter Card

Visa Everyday Starter Card

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Card Overview

Card Overview

Card Overview

Card Overview

Receive 1.5 rewards points for every $1 spent, and earn even more points in revolving categories throughout the year. Use points for cash back, travel and more with our rewards partner uChoose Rewards®. Plus, enjoy benefits such as free travel and emergency assistance services, a cell phone protection plan. identity theft protection through Norton LifeLock†, purchase security and extended warranty protection, with no annual fee.*

With a limit of up to $20,000, identity theft protection through Norton LifeLock† no annual fee and no hidden APR increases* for late payments, there are no surprises with the Everyday card. We also offer an Everyday Share Secured card, which means your card is backed up by money in your savings, making it a great option for beginners and students.

With a limit of up to $1,000, this is a perfect starter card for applicants with little or no credit history. Like the Everyday card, this card includes  identity theft protection through NortonLifeLock, no annual fee and no hidden APR increases* for late payments.

Credit Limit

Credit Limit

Credit Limit

Credit Limit

Up to $30,000
Up to $20,000
Up to $1,000

Annual Fee*

Annual Fee*

Annual Fee*

Annual Fee*

None
None
None

Hidden APR Increases for Late Payment*

Hidden APR Increases for Late Payment*

Hidden APR Increases for Late Payment*

Hidden APR Increases for Late Payment*

None
None
None

Foreign Transaction Fee*

Foreign Transaction Fee*

Foreign Transaction Fee*

Foreign Transaction Fee*

None
None
None

Reward Points

Reward Points

Reward Points

Reward Points

1.5 points for every dollar spent, plus opportunities to earn bonus points.

None

None

Cell Phone Protection Plan

Cell Phone Protection Plan

Cell Phone Protection Plan

Cell Phone Protection Plan

Travel & Emergency Assistance Services

Travel & Emergency Assistance Services

Travel & Emergency Assistance Services

Travel & Emergency Assistance Services

Emergency Card Replacement

Emergency Card Replacement

Emergency Card Replacement

Emergency Card Replacement

Extended Warranty Protection

Extended Warranty Protection

Extended Warranty Protection

Extended Warranty Protection

Purchase Security

Purchase Security

Purchase Security

Purchase Security

Credit Cards Features and Benefits

  • CELL PHONE PROTECTION PLAN
    When you pay your monthly wireless bill with your covered Service CU Visa Signature Everyday Elite card, your cell phone can be protected for the next calendar month. That means you can get reimbursed if your cell phone is stolen or damaged beyond use ($50 deductible). Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must charge your eligible cellular wireless bill to your covered card. Coverage is for your eligible phone and the first two additional eligible phones on your wireless account.
  • EMERGENCY CARD REPLACEMENT
    If your card is lost or stolen, VISA will block your card (if the card number is known) and connect you with Service CU to get an emergency card replacement within one to three business days.
  • PURCHASE SECURITY
    If eligible items purchased with your Service CU Visa Signature Everyday Elite card are stolen or damaged due to covered circumstances within the first 90 days, you are able to replace, repair or reimburse the item up to $10,000.
  • TRAVEL AND EMERGENCY ASSISTANCE SERVICES
    Get access to highly skilled experts who are fluent in English while traveling. As a cardholder, you will be connected to the right resources to help resolve a wide variety of travel emergencies. This program provides assistance only. You are still responsible for the cost of any services received. For example, this service could help you receive a referral to a medical provider, but you would be responsible for paying the doctor for any services delivered.
  • EXTENDED WARRANTY PROTECTION
    Add up to one additional year to eligible U.S. manufacturer’s warranties of three (3) years or less. Eligible warranties of less than one year will be doubled. Members will receive extended warranty protection of up to $10,000 per claim, with a maximum total of $50,000 per year. Available through the Service CU Visa Signature Everyday Elite card.
  • IDENTITY THEFT PROTECTION
    Your VISA card includes ID Navigator Powered by NortonLifeLock, which provides you with the tools to help keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen.

I chose Service CU over Community Bank because I like the way credit unions operate vs. big banks. True to form, the customer service has been outstanding at Service CU.
David L. – Ansbach, Germany

Frequently Asked Questions

Which credit card is right for me?

If you are looking for the most points for your dollar, check out the Service CU Visa Signature Everyday Elite card, which gets you 1.5 uChoose Rewards points for every dollar you spend, plus benefits such as purchase security and a cell phone protection plan.  

If you are looking to improve your credit score, while enjoying a lower APR, the Service CU Visa Everyday card may be right for you. You can even apply for an Everyday Share Secured card, which allows your money to be backed up by your savings account while giving you a higher limit than many other cards of its kind. 

If this is your first credit card, you are a student, or you have no credit history, check out the Visa Everyday Starter credit card!

Yes. You will receive the same benefits no matter where you live.

When you apply for a new credit card, we’ll review certain information such as your monthly income, employment status and credit score to determine which card you’ll qualify for.  

Service Credit Union has partnered with uChoose Rewards to allow you to earn more rewards in more ways. With the Service CU VISA Signature Everyday Elite card, you’ll earn 1.5 uChoose Rewards points for every dollar you spend, and earn even more points for shopping a revolving variety of categories and retailers. If you have the Service CU VISA Everyday Preferred card, you’ll earn 1 uChoose Rewards point for every dollar you spend. Redeem your points for cash back, air travel, vacation packages and more.

Business members can apply for the Service CU Visa Business Platinum card, which includes benefits such as an auto rental collision waiver, purchase security and extended protection, roadside assistance, travel and emergency assistance services and a cell phone protection plan. To learn more, please contact our business services department at 800.296.4644.

You can tap your credit card to pay anywhere you find a Contactless Symbol on a store’s checkout terminal. When prompted, bring your card within a few inches of the symbol until you hear a “beep” or see a checkmark.

uChoose Rewards® Program

Get rewarded for every purchase! Redeem points for cash back, gift cards, travel rewards or merchandise.

Learn More

Card Resource Center

View our Visa® credit card agreement and tools designed to help you manage your card.

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* Annual Percentage Rates (APR) range from 12.90% to 18.00%; accurate as of 10/07/2024 and subject to change without notice. APR is variable and based on your creditworthiness. Cash advance fee and balance transfer fee is 1.00% of the amount of each transaction. Returned payment fee is $20, or the amount of the required minimum payment, whichever is less. The card replacement fee is $9. There is a document copy fee of $15.

** Must be a member of Service CU or eligible for membership with at least $5 in a Primary Savings account and a new Visa Signature Everyday Elite Credit Card holder. To receive the 15,0000 rewards points, you must make $1,500 or more in purchases within the first 60 days of account opening. The rewards points will be added to your uChoose Rewards points balance within 30 days after you reach the required purchase dollar amount. You must register for uChoose Rewards to redeem and use the points. Promotion subject to change or be canceled at any time without notice.

No one can prevent all identity theft.