Visa Credit Cards
Card Options
- Card Type:
Signature
APR (fixed):11.50%**
- Card Type:
Platinum
APR (fixed):10.9%*
- Card Type:
Gold
APR (fixed):15.9%*
- Card Type:
Classic
APR (fixed):17.9%*
- Card Type:
Secured
APR (fixed):17.9%*
See All Rates
Card Benefits
All Cards
Cash Advances
Transfer money, up to your available credit limit, directly to your SCU deposit account via online or mobile banking.
Cashback & Prizes
Earn and redeem points for every credit card purchase.
Balance Transfers
Request a transfer and save if you switch to a lower rate.
No Extra Charges
No annual fee. No balance transfer or cash advance fees. See Visa Cost Information.
Visa Signature Card
All the benefits listed in "All Cards" above, PLUS:
Cash Back
Automatically earn 2% cash back on every purchase made in 2025!
Variable Rate
Save money on interest when rates go down. See Visa Signature Cost Information.
Concierge Service
Enjoy personalized travel, unforgettable experiences, special offers, and VIP access through complimentary 24/7 Visa Signature Concierge Service.
Extended Warranty Protection
Extended Warranty Protection will double the time period of coverage to your existing manufacturer's U.S. warranty up to one additional year on eligible warranties of 3 years or less.^
Secured
All the benefits listed in "All Cards" above, PLUS:
Get a card while working on your credit
Set aside $300 to $5,000 in your savings account to secure your card in the same amount.
Same benefits as Classic Visa
Low rates.
No annual fee.
*Members will earn points for every purchase and up to 5,000 points for balance transfers made during the promotional period of 2/1/2025 to 4/30/2025. Points may be redeemed for cash. SCU loans are excluded from balance transfers and reward points. Rates subject to credit worthiness, member's credit union relationship and underwriting standards. Rates, terms, conditions and programs subject to change without notice. APR may vary. May be subject to income verification. Download Visa Agreement & Disclosures (117 KB PDF)
** The Visa Signature card has a variable rate based on the Prime Rate as reported by the Wall Street Journal, plus 4% APR. As of 12/19/2024, the Prime Rate was 7.50%. Accordingly, the current APR for a Visa Signature card from State Credit Union is 11.50%. Rates adjust at the next monthly statement if there is a change in the Prime Rate. The minimum credit limit for the Visa Signature card is $5,000 and may be subject to income verification. Rates, conditions and programs subject to change without notice. Download Visa Signature Agreement & Disclosures (120 KB PDF).
^ Certain terms and conditions apply. For coverage to apply, you must use your covered State Credit Union account and/or rewards program associated with your covered account to secure transactions. This benefit is limited to no more than the original purchase price of the item (as shown on your credit card receipt), less shipping and handling fees, up to a maximum of $10,000 per claim and $50,000 per cardholder. To initiate a claim or have your questions answered, visit www.cardbenefitservices.com or call the Benefit Administrator at 1-800-551-8472, outside the U.S., call collect at 1-303-967-1096. Please refer to your Guide to Benefits for further details.
Card Assistance
Travel Notification
Avoid card inconveniences. Let us know you're traveling.
Change PIN
Call 1-888-886-0083.
