United States Senate Federal Credit Union

Credit Cards

Earn Double Points image.
Smart Rate
Smart Rate
Smart Rate
(Your Best Value)
Smart Rate
Smart Rewards Credit Card
Smart Rewards
(Points for Purchases)

Smart Rate Benefits

No Balance Transfer Fee

No Cash Advance Fee

No Annual Fee

No Rate Change For Late Payment

No Over-the-Limit Fee**

No Rate Increase On Cash Advances**

Smart Rewards Benefits

All the benefits of Smart Rate credit card plus:

Earn one point for every dollar spent using the Smart Reward credit card to use toward hundreds of name-brand gifts and travel anywhere in the world! (Points are only earned on signature based transactions; PIN based transactions, cash advances and balance transfers do not qualify to earn points).

Click here for full VISA rate disclosures.
Smart Rewards points not eligible on balance transfers.

*Membership eligibility required. This credit union is federally insured by the National Credit Union Administration. All loans subject to credit approval. $1=2 points when you use a USSFCU Visa Credit Card at the listed merchants. Points are only earned on signature-based transactions; PIN-based transactions, cash advances and balance transfers do not qualify. $4=2 points when you use a USSFCU Visa Check Card at the listed merchants and select credit instead of debit. Promotion valid May 1, 2016 through June 30, 2016.

**See VISA disclosure for cash advance and over the limit details on our rate page – click the "Check Rates" button above.
Additional features
Verified by VISA

Verified By VISA

It is the easy new way to enjoy added security for all your online VISA card purchases. The United States Senate Federal Credit Union and VISA are pleased to offer you this great service at no additional charge. Register »

SMS Guardian

SMS Guardian

For Your Peace of Mind – Text Alert Fraud Prevention We're looking out for you! Sign up for our new smsGuardian™ service and you'll receive text messages regarding activity on your credit and debit cards. Learn more »

Senate VISA Benefit

Senate VISA Benefits

Track and manage your credit card transactions 24/7 through CU AnyHour+. Have peace of mind knowing that with your Senate VISA you are prepared for unexpected expenses, you have 24 hour emergency card replacement assistance, auto rental collision coverage, and worldwide acceptance.


If your Senate VISA Card is Lost or Stolen, please call » these numbers
Routing Number: 254075250

Double Points Promotion

For the months of May and June we are celebrating our Moms, Dads, and Grads. Earn DOUBLE POINTS* when you use your USSFCU VISA® Check Card at the following merchants: Restaurants, Flower Shops, Hotels, Electronics Stores, Party Stores, Grocery Stores, Sporting Goods Stores and Health & Beauty Spas.