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Enjoy Low Rates and No Annual Fee*

Everyday Preferred Credit Card

With the Everyday Preferred Credit Card, you’ll earn 1 uChoose Rewards point for every dollar you spend. Other great benefits include travel and emergency assistance services, purchase security, and extended warranty protection.

Click here to view the Visa credit card agreement.

Rates, Fees, and Rewards


Purchase and Balance Transfer Variable APR between
17.15% – 18.00% APR*

Terms and Conditions


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


1 POINT for every dollar spent. Use points for cash back, travel, merchandise and more through uChoose Rewards®.

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.*

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 Everyday Preferred cards.

Purchase Security – If eligible items purchased with your Service CU Visa Signature Everyday Elite card or Service CU Visa 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.

Other Credit Card Options

* Annual Percentage Rates (APR) range from 13.15% to 18.00%; accurate as of 07/07/2023 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 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. 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.