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.

apply

Transfer & Save!

Save yourself some extra cash and take a break from paying high interest rates on your credit cards. With a new SCU Credit Union Visa® Signature Rewards or Platinum Card, you'll enjoy a 0% Introductory Annual Percentage Rate (APR) on purchases and balance transfers for the first 12 billing cycles and a low variable APR thereafter. That's great savings for a whole year! Plus, we keep our standard rate competitive, so after a year you will continue to enjoy a great rate without an annual fee if you need to carry a balance.

Highlights

0% Introductory APR on purchases and balance transfers for the first 12 billing cycles and a variable APR as low as 16.24% thereafter.
3% Balance Transfer Fee | Each Advance ($10.00 minimum - $75.00 maximum), whichever is greater.
- The balance transfer fee is typically a percentage of the amount being transferred. While this is an upfront cost, the overall savings in interest could still make the transfer worthwhile, especially if you pay off the balance during the 0% introductory period
Auto Rental Collision Damage Insurance
Roadside Assistance

more info: signature rewards card More Info: platinum card apply

Stay in control with the SCU credit card app!

Enjoy easy and on-the-go management of your credit cards with the SCU Union Credit Card app. The app offers a fresh way to:

View recent and pending transactions.
View next payment amount and due date.
Make a payment to your card.

Report a card lost or stolen.
Raise a dispute on any transaction.
Activate a card.

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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.