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The Holiday Season's Best Benefits: What Every USSFCU Smart Rewards Cardholder Should Know

Published: October 31, 2024

The Holiday Season's Best Benefits: What Every USSFCU Smart Rewards Cardholder Should Know

This holiday season, your USSFCU Visa® Smart Rewards Card offers much more than just purchasing power—it’s packed with benefits designed to protect your purchases, enhance your travels, and give you valuable rewards. From Extended Warranty Coverage to Travel Assistance Services and Smart Rewards Points, your card helps you shop, gift, and travel with confidence.

Maximize Your Rewards: Earn Points on Every Purchase

With the USSFCU Smart Rewards Visa®, the more you spend, the more points you earn. Use it for day-to-day expenses, big-ticket holiday items, and seasonal shopping to boost your points quickly. Redeeming is easy! Once you’ve collected enough points, log in to your my.ussfcu.org account, click the Card Rewards tab, and explore thousands of options in the rewards portal.*

Here’s what you can redeem your points for:

  • Gift Cards: Choose from hundreds of top stores and restaurants.
  • Travel Rewards: Enjoy flights, hotels, car rentals, cruises, and even unique vacation experiences.
  • Cash Back: Redeem cash to spend however you’d like.
  • Merchandise: Access thousands of popular items.
  • Purchase Rebates: Get reimbursed for what you’ve already bought.

Make the most of your holiday shopping by turning your purchases into rewards that work for you!

Exclusive Benefits for Safe and Savvy Holiday Spending

In addition to rewards, your USSFCU Visa Smart Rewards Card comes with these valuable protections and services:

  • Extended Warranty Coverage: Extend the original manufacturer’s warranty on qualifying purchases made with your card, helping you protect valuable holiday purchases like electronics and appliances. For more details, visit cardbenefitservices.com or call 1-800-882-8057.**

  • Auto Rental Collision Damage Waiver: When renting a car, skip the added insurance fees. With this coverage as your primary insurance, you’ll save money and enjoy peace of mind knowing you’re covered for theft or damage. For details, check eclaimsline.com.*

  • Roadside Dispatch: Encounter a flat tire or need roadside assistance? The Roadside Dispatch service is available 24/7, acting as an on-call emergency solution. If you need help, call 800-847-2869.**

  • Travel Assistance Services: If an emergency arises while you’re traveling, Travel Assistance Services connect you with local medical, legal, or emergency support 24/7, anywhere in the world. Call 1-800-992-6029 to learn more.**

Not a Smart Rewards Cardholder Yet?

Check if you’re prequalified in minutes with no impact on your credit.

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Enjoy Contactless Payment for a Faster, More Secure Checkout

Your USSFCU Smart Rewards Visa® also comes equipped with Contactless Pay—the faster, secure, and convenient way to pay. Simply add your card to the mobile wallet on your phone and set it as your default card. Then, tap to pay wherever you see the Apple Pay, Google Wallet, or Samsung Pay symbols.***

With Contactless Pay, your personal information is secure:

  • Your account information isn’t stored.
  • Your card number isn’t shared with merchants.

For setup information, visit ussfcu.org/contactless. 

This Season, Use Your Card to Earn, Save, and Shop Smarter

With the powerful combination of rewards, benefits, and contactless technology, your USSFCU Visa Smart Rewards Card makes holiday shopping and travel more secure and rewarding. And just in time for the season, don’t miss these special holiday promotions:

  • 10x Points: From November 23 to December 3, earn 10x points on all purchases made using your Rewards card, perfect for Black Friday, Small Business Saturday, Sofa Sunday, and Cyber Monday. (Some exclusions apply; points are capped at 100,000. For more, visit ussfcu.org/Rewards.)+

  • Auto + Rewards: When you book a new or used auto loan in November or December, you can earn up to 50,000 Smart Rewards Bonus Points—1 point per $1 funded, capped at 50,000. Points will be applied directly to your Smart Rewards account. Full promotion details are available at ussfcu.org/Auto.+

+ Limited time promotions subject to terms and conditions. View product page for complete details.

All loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income, and debts. Not all applicants will be approved. View our Smart Rewards Visa Credit Card Agreement and Disclosure for additional information. 

*$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.

**Visa cardholder benefit programs 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. Benefits will not apply to cardholders whose accounts have been suspended or cancelled.

***Cardholders must activate each payment service before paying with their mobile device. Visit ussfcu.org/contactless for more information on activation, device requirements, terms, and conditions.

Visa® is a registered trademark of Visa.

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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.

- James · Locust Grove, GA

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!

- Larry · Cumberland, MD

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.

- Eliza · Washington, DC

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

- Charles · Upper Marlboro, MD

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.

- Denise · Washington, DC

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.

- David · Silver Spring, MD

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 ...

- Manuel · Bowie, MD

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!

- Misty · Brookings, OR

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.

- Tamra · Denver, CO

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.

- John · Fort Washington, MD

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

- Bernard · Richmond, VA

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

- Erwin · Ellicott City, MD

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.

- Ruth · Takoma Park, MD

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

- Jacquelyn · Sanford, FL

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.

- Jamie · Washington, DC

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.

- Kathleen · Ukiah, CA

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.

- Richard · Washington, DC

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.

- Nicole · Alexandria, VA

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.

- Angela · Alexandria, VA

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