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Credit Card Interest Rates

CREDIT CARDS:RATES STARTING AT: 
Visa® Everyday Card0.00% APR**Apply Now
Visa® Signature Everyday Elite Card0.00% APR***Apply Now
Visa® Everyday Preferred Card12.15% APR*Apply Now

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Visa Everyday Preferred Credit Card

Visa Signature Everyday Elite Card

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Visa Everyday Elite Credit Card

Visa Everyday Preferred 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 NortonLifeLock, 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.

Earn 1 reward point for every $1 spent. 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, identity theft protection through NortonLifeLock, purchase security and extended warranty protection, with no annual fee.*

Credit Limit

Credit Limit

Credit Limit

Credit Limit

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

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

1 point for every dollar spent.

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

Benefit Details

  • 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 or Service CU Visa Platinum Everyday Preferred 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 or Service CU Visa Platinum Everyday Preferred cards.
  • 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 this is your first credit card, a student, or you are looking to establish your credit, the Service CU VISA Everyday Share Secured card is a great option for beginners. The secured card 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 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. See the chart above for more details.

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.

Visa gift cards are available at any Service Credit Union branch and can be loaded with any amount from $10 to $1,000. Members can activate, register and check balances at https://mygiftcardaccount.pscufs.com/.††

To order, or to check your balance, please click here.

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.

View Now

* Annual Percentage Rates (APR) range from 8.15% to 18%; accurate as of 11/01/21 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. $20, or the amount of the required minimum payment, whichever is less, will be assessed for a returned payment fee. The card replacement fee is $9.00. Should you request a rushed or emergency card replacement, a fee of $40.00 shall be assessed. There is a document copy fee of $15.00.

** Existing Service Credit Union cardholders are not eligible for introductory APR. 0% Introductory rate valid on all purchases, cash advances, and balance transfers for first 6 billing cycles. After this period, the rate on your remaining balance will revert to your qualified rate between 8.15% and 16.15% APR, based on your creditworthiness. This rate is variable and subject to change with the WSJ Prime Rate. Balance transfers of existing balances on any SCU loan does not qualify for the 0% introductory rate. Eligible Service CU members must be in good standing. Other terms and conditions may apply.

*** Existing Service Credit Union cardholders are not eligible for introductory APR. 0% Introductory rate valid on all purchases, cash advances, and balance transfers for first 12 billing cycles. After this period, the rate on your remaining balance will revert to your qualified rate between 14.15% and 18.00% APR, based on your creditworthiness. This rate is variable and subject to change with the WSJ Prime Rate. Balance transfers of existing balances on any SCU loan does not qualify for the 0% introductory rate. Eligible Service CU members must be in good standing. Other terms and conditions may apply.

**** Must be a member of SCU or eligible for membership and a new Visa® Signature Everyday Elite Credit Card holder. In order to receive 15,000 rewards points, you must make $1,500 or more in purchases. If an existing Service Credit Union cardholder opens a Visa® Signature Everyday Elite Credit Card and makes $3,500 or more in purchases within the first 3 months, an additional 35,000 rewards points will be awarded. New Service Credit Union cardholders are not eligible for the additional 35,000 rewards points. The rewards points will be added to your rewards points balance within 30 days after you reach the required purchase dollar amount. Promotion subject to change or be canceled at any time and without notice.

No one can prevent all identity theft.

†† Gift cards are subject to applicable law. Purchase fee is $3.50. Beginning the 12th month after there has been no activity on your card, a monthly inactivity fee of $2.95 will be assessed to you card. This fee will be assessed to your card as long as there are funds remaining on your card. If you card is lost or stolen, there will be a $5.00 fee to replace it. Visa gift card Issued by PSCUFS pursuant to a license from Visa U.S.A. Inc. Members can activate, register and check balances at https://mygiftcardaccount.pscufs.com/.