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Credit cards tailored to the way you spend

Credit cards offer more financial flexibility than debit cards, along with valuable benefits. Some earn reward points, while others provide cash back or cover extended warranties on your purchases.

Service Credit Union offers four different Visa® credit cards, plus a prepaid card and a gift card. For young people trying to establish their credit, we have a card that’s secured with personal savings. Seasoned travelers should check out our Platinum card, with a credit limit of up to $30,000 and a rewards plan for free air travel and other perks. None of our cards have an annual fee, or hidden APR increases for late payments.*

Click here to view the Visa credit card agreement.

Platinum Card


With our Visa® Platinum credit card, you’ll get one reward point for every dollar you charge. As those points add up, you can redeem them for air travel, vacation packages, merchandise and even cash. It’s all just a click away through the uChoose Rewards® program.

The card has a maximum credit limit of $30,000 and automatically includes travel accident insurance coverage of $1,000,000, car rental insurance, warranty services and emergency card replacement.


Our Visa® Gold credit card pays you cash back on every purchase. You’ll get 0.5% on every dollar you charge up to $2,000—after which a full 1% kicks in for the rest of the program year.** The card includes travel accident insurance up to $500,000, car rental insurance and warranty services.


The Visa® Classic is our simplest credit card. With no annual fee and no hidden APR increases for late payments, there are no surprises.* The card has up to a $10,000 limit and includes $250,000 in travel accident insurance.

Secured Card


A Visa® Classic share secured credit card is a great way for people to start building their credit. Your card is backed up by money in your savings—but unlike a debit card, you’ll be building a valuable credit history.

Visa® Gift Cards

Can’t decide on the perfect gift? Visa gift cards are always appreciated, and available at any Service Credit Union branch. They can be loaded with any amount from $10 to $1,000 and are easy to activate and check balances online.***

Members can activate, register and check balances at

Visa® Prepaid Cards

With a Visa® Prepaid Card, you simply load it with cash (up to $1,000 per week), then use the card anywhere in the world Visa® is accepted. You can reload as needed up to a total balance of $5,000.

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

Credit Card Rates

 Rates Starting At: 
Visa® Platinum10.49% APRApply Now
Visa® Gold10.99% APRApply Now
Visa® Classic11.99% APRApply Now

Rate shown is Annual Percentage Rate (APR), accurate as of 10/01/19 and subject to change without notice. Rates advertised with a .25% reduction. The .25% reduction is available for direct deposit of entire net pay and automatic payment (example: 10.74% APR less .25% = 10.49%). Loan approval and APR subject to credit worthiness. Direct deposit of entire net pay (not allotment) and automatic payment must be maintained. Floor rate may apply. An additional .50% APR reduction is available for active military with direct deposit of entire net pay and automatic payment.

Visa is a registered trademark of the Visa International Service Association.

Compare Credit Cards

  Platinum Gold Classic Secured

Annual Fee*


Foreign transaction fees


Credit Limit

Up to $30,000
Up to $20,000Up to $10,000Up to $10,000


1 point for every dollar spent, plus opportunities to earn 2X points. Use points for cash back, travel and more through uChoose Rewards®.Earn .5% cash rewards on every $1 spent in net purchases and begin earning 1% cash back after reaching $2,000 in net purchases each billing cycle**NoneNone

Travel accident coverage

Up to $1,000,000Up to $500,000Up to $250,000Up to $250,000

Auto rental insurance coverage


Emergency card replacement


Warranty services


Hidden APR increases for late payment



*Annual Percentage Rates (APR) range from 10.74% to 16.99%; accurate as of 10/01/19 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 $62.00 shall be assessed. There is a document copy fee of $15.00.

**0.50% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the Credit Card account up to $2,000. During each rebate cycle of November 6th – November 5th, after you have reached $2,000 in net purchases you will begin earning 1% cash back on all purchases. The rebate will be automatically credited to your account in November when our statements are processed. Only Gold card accounts open and in good standing at the time the rebate is distributed will be credited. Balance transfers and cash advances do not earn a cash back rebate. Any benefit or service offered with this card may be modified or terminated at any time.

***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

Visa is a registered trademark of the Visa International Service Association.

Choose Rewards is a registered trademark of Fiserv, Inc.