Service CU Visa® Everyday Starter Credit Card
Grow Your Credit Without Worrying About OverspendingThe Right Card for Those Just Starting Out
If you have no credit history, it may feel like a Catch 22 to apply for your first credit card. That’s why we offer the Everyday Starter credit card, perfect for anyone who is just beginning to establish credit history. This card has a limit of $1,000, no annual fee, and no hidden APR increases* for late payments. By making regular monthly payments on this card, you’ll start to grow your credit score and increase your future lending options.
Click here to view the credit card agreement.
Rates and Fees
FEES
No Annual Fee*
No Foreign Transaction Fees*
No Hidden APR Increases for Late Payment*
Tap to Pay with Visa’s 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
- 1.5 Points on All Purchases
- Spend $1,500 in the First 60 Days and Earn 15,000 Bonus Points**
- No annual fees*
- Low APR on purchases
- Travel and Emergency Assistance Services
- No annual fees*
Additional Credit Card Resources
* Annual Percentage Rates (APR) are 18.00%; accurate as of 03/16/2025 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 Service CU or establish membership with $5 in a Primary Savings Account.
**Must be a member of Service CU or eligible for membership with at least $5 in a Primary Savings account and a new Visa Signature Everyday Elite Credit Card holder. To receive the 15,000 rewards points, you must make $1,500 or more in purchases within the first 60 days of account opening. The rewards points will be added to your uChoose Rewards points balance within 30 days after you reach the required purchase dollar amount. You must register for uChoose Rewards to redeem and use the points. Promotion subject to change or be canceled at any time without notice.