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Credit Cards

From now through February 28, 2021, get a credit card from Service CU, and be entered to win $5,000. Each month, we’ll pick one winner to receive $5,000.

No purchase necessary. Click here for sweepstakes rules.

Visa® Signature Everyday Elite Card

Everyday Elite Credit Card


1.5 POINTS for Every Dollar You Spend
No Annual Fee*
Cell Phone Protection Plan**

Learn More

Apply Now

Visa® Everyday Preferred Card

Everyday Preferred Credit Card


1 POINT for Every Dollar You Spend
No Annual Fee*
Extended Warranty Protection

Learn More

Apply Now

Visa® Everyday Card

Everyday Credit Card


Low APR on purchases
No Annual Fee*
Travel & Emergency Assistance Services

Learn More

Apply Now

Choose the Right Credit Card for You

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.

Just like our Everyday Checking options, which are personalized to your lifestyle, Service Credit Union offers four options in its Everyday suite of Visa® credit cards.  For those trying to establish their credit, we have a card that’s secured with personal savings. Those looking for the best rewards and cash back options should check out our Visa Signature Everyday Elite card, which gives you 1.5 rewards points per $1 spent, plus travel and emergency assistance services and extended warranty protection on qualifying purchases. None of our cards have an annual fee, foreign exchange fees or hidden APR increases for late payments,* and all cards are tap-to-pay, so you can enjoy contactless payments wherever they are accepted.

Learn what to look for when choosing a credit card and how to manage a credit card responsibly here.

Click here to view the Visa credit card agreement.

Credit Card Rates

 Rates Starting At: 
Visa® Signature Everyday Elite Card14.15% APR*Apply Now
Visa® Everyday Preferred Card12.15% APR*Apply Now
Visa® Everyday Card8.15% APR*Apply Now
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Credit Card Benefits

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 ($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.

Travel & 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.

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.*

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.

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.

Frequently Asked Questions

Which card is right for me?

If this is your first credit card or you are looking to establish your credit, the Service CU VISA Everyday Share Secured card is a great option, as it 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***

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.

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.

*Annual Percentage Rates (APR) range from 8.15% to 18%; accurate as of 10/16/2020 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.

**Cellular Telephone Protection provides reimbursement for your stolen or damaged beyond use cell phone. Coverage includes your eligible phone and he first two additional eligible phones on your wireless account. Certain terms, conditions and exclusions apply.

***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

No purchase necessary to win. One (1) entry awarded for each eligible consumer loan product (new/used auto, credit card, first mortgage or personal loan) closed during the contest period (10/19/20-2/28/21). Must be a lawful permanent resident of the United States and be 18 years or older to enter. See official rules for details.