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Looking for a Simple Card to Help Establish Your Credit?

0% Introductory APR for 6 Months on Purchases and Balance Transfers*

Visa Everyday Credit Card - Great for Beginners and Students

With a limit of up to $20,000, 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.

Click here to view the Visa credit card agreement.

Rates and Fees

RATES

0% Introductory APR for 6 Months on Purchases and Balance Transfers*

After That, Purchase and Balance Transfer Variable APR between
8.15% – 16.15% APR**

Terms and Conditions

FEES

No Annual Fee**
No Foreign Transaction Fees**
No Hidden APR Increases for Late Payment**

Tap to Pay with Visa’s Contactless Card

Visa Contactless Card

Take Advantage of Visa’s Signature Benefits

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.

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.**

Other Credit Card Options

* 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. This introductory offer is available to members of SCU in good standing. Other terms and conditions may apply.

** Annual Percentage Rates (APR) range from 8.15% to 16.15%; accurate as of 07/01/21 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 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.