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The Right Card for Those Just Starting Out

Visa Everyday Starter Credit Card - Grow Your Credit

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


18.00% APR*

Terms and Conditions


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

** Annual Percentage Rates (APR) is 18.00%; accurate as of 4/25/2024 and subject to change without notice. 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.