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Business Credit Cards

MBS Visa: USSFCU's Credit Card for Small Business Owners

Chances are that your mailbox is full of credit card offers from companies that offer teaser rates and all kinds of incentives. If these sound too good-to-be-true, they probably are. So why not try a Visa® card from USSFCU instead?

Our Visa® cards have no hidden costs, no annual fees, and no disappearing promotional rates. You can enjoy a low rate backed by the same friendly member service you have come to rely on from USSFCU.

Apply today and see the difference!

Call: 800.374.2758 (select option 5) or Email: [email protected]

All credit cards are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income, and debts. Other fees may apply.

  • No annual fee
  • No balance transfer fee
  • No cash advance fees
  • No penalty rate hikes for late payments
  • Get the purchasing power of Visa®
  • Accepted at thousands of places worldwide
  • Personal service you know and trust

Click to view our Business Membership Account Agreement, funds availability policy and fee schedule.


Use your MBS Visa on day-to-day expenses, big ticket items and beyond. The more you spend, the more points you’ll earn. When you have enough points for the reward you want, just go to the rewards site, redeem and enjoy.

To redeem your Smart Rewards Points: Log on to your my.USSFCU account and click the Card Rewards tab. You'll instantly be directed to the rewards portal, where you can view and manage your points and browse and redeem thousands of rewards. 

For Rewards program assistance, or to redeem your reward points by phone, please contact the Support Team toll-free at 855.854.5493 from 6:00 am to 6:00 pm, Monday through Friday (Pacific Time).

View our Smart Rewards brochure for complete program rules.

$4=1 point when you use your MBS Visa Credit Card on qualifying purchases. Reward points are only earned on signature-based transactions. Not all transactions qualify for reward points, such as cash advances, balance transfers and PIN-based transactions. Merchants may process signature debit card transactions as PIN-based transactions even if a PIN was not provided; these transactions would not qualify. USSFCU is not responsible for the processing method selected by the merchants. Not all merchants will participate in the reward points program. 

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

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