Platinum | SCU Credit Union

VISA® Platinum

Looking for value! How about a credit card with our lowest interest rate and no fees. Not sure if you will save money. Check the interest rate and fees on your current card.

Apply for Visa® platinum

Visa® Platinum

Save money by transferring your current balance to our Visa® Platinum card.

Highlights

0% APR for first 12 billing cycles*
Variable APR as low as 16.24%
Auto Rental Collision Damage Insurance

Great Additional Benefits

Everyday access to your credit score
Security & Protection with transaction alerts, card controls, and travel alerts
Visa® Zero Liability – You won't be responsible for unauthorized charges made with your account.
Tap to Pay contactless payment & Digital Wallet

This card is designed to help you:

Save money with our lowest interest rate and no fees.

Consolidate high-interest credit card balances.

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Your credit card toolkit

A trove of tools and tips to transform your finances

Credit Cards FAQ

What are the risks of using a credit card?

Overspending: Easy access to credit can lead to overspending and accumulating debt.

High-interest rates: If you carry a balance, you'll pay interest charges, which can significantly increase your debt.

Late payment fees: Late payments can result in late fees and damage your credit score.
How do I choose the right credit card for my needs?

Compare fees: Look for cards with low or no annual fees, balance transfer fees, and foreign transaction fees.

Review rewards programs: Understand how rewards points or cash back are earned and redeemed.

Read the fine print: Carefully review the terms and conditions of each card, including APRs, fees, and credit limits.
What are the different types of credit cards?

Rewards Cards: These cards offer points or miles for every dollar spent, which can be redeemed for travel, merchandise, or cash back.

Cash Back Cards: These cards offer a percentage of cash back on all purchases, which can be credited to your account or received as a statement credit.

Student Cards: These cards are designed for students and may have lower credit limits and introductory APR offers.