Smart Rate
Smart Rate
One of the best credit card rates in the nation!
USSFCU's Smart Rate Visa® offers a lower-than-average annual percentage rate and serves as USSFCU's standard credit card option. Cardholders never pay an annual fee and with a $0 balance transfer fee, it's the perfect time to consolidate your spending!
Accepted worldwide, the Visa Smart Rate offers cardholders a number of benefits, including:
- No balance transfer fees*
- No cash advance fees*
- No annual fees*
- No rate change for late payments*
- No over-the-limit fees*
- No rate increases on cash advances*
- Advanced risk detection technology
- 24/7 online account management and tracking
- 24/7 emergency card assistance
- Free auto rental collision insurance
- Debt protection available
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Contactless Cards are Now AvailableUSSFCU Visa® credit and debit cards are now enabled for contactless pay. Contactless card payments are secure, convenient, and touch-free. Simply tap, pay and be on your way! |
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Receiving a Contactless Card from USSFCU All newly issued debit and credit cards will be contactless. Current members will receive contactless cards when their current card expires or is reissued. If you prefer not to have a contactless card, contact our Member Service Contact Center at 800.374.2758, and we can issue a non-contactless card by mail. |
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Get Pre-qualified!
Already a USSFCU member? See if you are already pre-qualified for a USSFCU Visa Credit Card.
Looking to Apply After Regular Business Hours? With USSFCU After Hours service, we review applications and make decisions after regular business hours, allowing us to serve you faster.
My Card Rules
Securely manage all your USSFCU cards through myUSSFCU Online & Mobile Banking
Enable a wealth of card control settings based on spending amounts, transaction types, merchant types, and more using the newly integrated card management services within myUSSFCU Online Banking. Simply select a card from the Card Management section of your myUSSFCU dashboard, tap Alerts and Protections and begin setting your card controls, or visit ussfcu.org/mcr to learn more.
Login in to myUSSFCU
1 APR=Annual Percentage Rate. All credit cards are subject to credit approval. Rates and/ or credit limits are based on creditworthiness, income, and debts. Your account is subject to a Variable Interest Rate. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and will affect the amount of your regularly scheduled payments that you will be required to make. View all rates at ussfcu.org/rates. See a full list of agreements and account disclosures at ussfcu.org/visa. 2 Based on the national average rates released of 16.13% APR posted on creditcards.com as of 12/19/2021.
*Other fees may apply. Foreign transaction fee is 1 percent of the transaction amount, which may be billed separately on your account or included in the transaction amount. This 1% adjustment is made for all international transactions regardless of whether there is a currency conversion associated with the transaction. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. To view our fee schedule visit ussfcu.org/fees. View the complete Smart Rate Visa Credit Card Agreement and Disclosure for additional information.
