Discover the Financial Perks of the USSFCU Smart Rewards Card
Published: April 26, 2024
Are you looking for a credit card that not only fits your lifestyle but also enhances it? Look no further than the USSFCU Visa® Smart Rewards Card, which offers a treasure trove of benefits designed to make your financial management easier—and more rewarding!
Competitive APR for Cost-effective Credit: In an era where average credit card APRs hover around 27.90%, the USSFCU Visa Smart Rewards Card cuts through the noise with an impressively low rate of just 14.5% APR. This advantageous rate nearly halves the borrowing costs typically seen, making it simpler to manage those large or unexpected purchases that life throws your way.1
Reward Yourself with Every Purchase: With the USSFCU Visa Smart Rewards Card, your everyday purchases help you earn points redeemable for travel, merchandise, gift cards, or even cash back. Access and manage your rewards through my.ussfcu.org portal or our mobile app, turning every transaction into an opportunity.2
Seamless Digital Banking Experience: The my.ussfcu online banking platform makes card management a breeze. Apply for the card, monitor your balance, make payments, and redeem rewards—all from the comfort of your home or on the go.
Advanced Card Controls to Safeguard Your Finances: Protect against credit card fraud with advanced card controls. Set up customized alerts, and spending limits, and turn your card on or off as needed for maximum security.
Mobile Payment Compatibility: USSFCU Visa cards work seamlessly with major mobile payment systems such as Apple Pay, Google Pay or Samsung Pay. This compatibility ensures secure, fast, and contactless transactions wherever you are.3
Zero Balance Transfer Fees: Shift your high-interest credit card debt to the USSFCU Smart Rewards Visa® without incurring any balance transfer fees. Enjoy no annual fees, cash advance fees, or over-the-limit fees, making it easier to manage your finances without extra costs.4
Credit Building Opportunities: Improve or build your credit score through responsible card use. By reporting your payment history to major credit agencies each month, the USSFCU Visa Smart Rewards Card supports a positive credit profile, helping you strengthen your financial future.
Enhanced Purchase Protection: Enjoy added peace of mind with the card’s Extended Warranty Coverage, which prolongs the manufacturer's warranty on items purchased with your card. This feature is especially valuable for costly electronics and appliances, potentially saving you significant expenses in repair or replacement. Register a product at cardbenefitservices.com, or by calling 1-800-882-8057.*
Roadside Dispatch: The Roadside Dispatch benefit is a pay-per-use service that offers assistance if you encounter trouble while on the road, such as a flat tire, dead battery, or locked car. It’s a convenient solution that acts like an on-call emergency service for your vehicle. If you need roadside assistance, call 800.847.2869. This line is available 24/7.*
Travel Assistance Services: Travel and Emergency Assistance Services are made available to help you in case of an emergency while you are traveling away from home. A Benefits Administrator can connect you with the appropriate local emergency and assistance resources, 24 hours a day, 365 days a year. To use the services or for more information about this benefit call 1.800.992.6029.*
Moms, Dads, and Grads: Celebrate the special moments this spring with an exciting points promotion. From May 1 through June 30, earn 5X the reward points on purchases made with your USSFCU Smart Rewards Visa®. Whether you're shopping for Mother's Day, Father's Day, or celebrating a graduation, your rewards will multiply fast during this special period.5
The USSFCU Visa Smart Rewards Card is more than just a credit card; it’s a financial tool designed for savvy consumers seeking to maximize their economic well-being. With its competitive APR, comprehensive benefits, and user-friendly features, it stands out as a smart choice for anyone aiming to enhance their financial health.
ussfcu.org/rewards
1APR= Annual Percentage Rate. All loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income, and debts. Not all applicants will qualify. Rates effective as of 04/01/2024. Your account is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal ("Index") in effect on the last day of each calendar quarter plus our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the next billing cycle following the change. Increases or decreases in the Interest Rate will result in increases or decreases in the Finance Charge and will affect the amount of your regularly scheduled payments that you will be required to make. Other fees may apply. View our Smart Rewards Visa Credit Card Agreement and Disclosure for additional information.
National average credit card rate as of April 26, 2024, according to Forbes Advisor’s weekly credit card rates report.
2$1 = 1 point when you use your USSFCU Smart Rewards 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. Other terms and conditions may apply. Program subject to change without notice. View complete program terms and conditions in the Smart Rewards brochure.
3Cardholders must activate each payment service before paying with their mobile device. Visit ussfcu.org/mobilewallet for more information on activation, device requirements, terms, and conditions.
4Other fees may apply. The foreign transaction fee is 1 percent of the transaction amount, which may be billed separately on your account or included in the transaction amount. To view our fee schedule visit ussfcu.org/fees.
5Promotion valid between Wednesday, May 01, 2024 (12:00 am EST.) and Sunday, June 30, 2024 (11:59 pm EST). $1 = 5 points when you use your USSFCU Smart Rewards Visa Credit Card on qualifying purchases during the promotional period. Cable, Satellite, and Other Pay Television/Radio/Streaming Services do not qualify, and Utilities such as Electric, Gas, Water, and Sanitary do not qualify. Other exclusions apply. 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 credit 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. Points promotion capped at 100,000 points. Any points accrued in excess of 100,000 will earn standard points ($1=1 point with a Visa Smart Rewards Credit Card and $4=1 point with a USSFCU Debit Card on signature-based transactions).
*Visa cardholder benefit programs are subject to change or may be discontinued at any time without prior notice. Void where prohibited. United States Senate Federal Credit Union shall not have any responsibility or liability in connection with the rendering of cardholder benefit services. All costs associated with Visa Benefit Program services are the sole responsibility of the cardholder. Not all cards qualify. Additional terms and conditions may apply. Visa® is a registered trademark of Visa.