Visa Credit Cards
Card Options
- Card Type:
Signature
Promotional APR (fixed):N/A
APR (fixed):11.00%**
- Card Type:
Platinum
Promotional APR (fixed):6.9%*
APR (fixed):8.9%
- Card Type:
Gold
Promotional APR (fixed):8.9%*
APR (fixed):10.9%
- Card Type:
Classic
Promotional APR (fixed):13.9%*
APR (fixed):15.9%
- Card Type:
Secured
Promotional APR (fixed):N/A
APR (fixed):15.9%
* Excludes Visa Signature Card. Discounted rates are for a maximum of one year. Regular rates apply to cash transactions such as ATM withdrawals. As of 9/1/2022, regular rates were: Platinum 8.9% APR, Gold 10.9% APR and Classic 15.9% APR. SCU loans are excluded from the balance transfer rate and reward points. 5,000 points maximum rewarded for balance transfers made during the promotional period of October 15, 2022 to December 31, 2022. Rates, conditions and programs subject to change without notice. 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 11/03/2022, the Prime Rate was 7.00%. Accordingly, the current APR for a Visa Signature card from State Credit Union is 11.00%. The minimum credit limit for the Visa Signature card is $5,000. Rates, conditions and programs subject to change without notice. May be subject to income verification. Download Visa Signature Agreement & Disclosures (120 KB PDF)
Card Benefits
All Cards
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.
Peace of Mind
Free identity theft resolution services from Cyber Scout.
Verified by Visa
Enroll for password-based security whenever your card is used online.
Visa Signature Card
All the benefits listed in "All Cards" above, PLUS:
More Points
Earn 25% more points for every credit card purchase.
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
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.
Card Assistance
Travel Notification
Avoid card inconveniences. Let us know you're traveling.
Change PIN
Call 1-888-886-0083.
