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Smart Rate

Smart Rate Visa® Credit Card

One Low Interest Rate 8.25% APR1. Almost 50% Lower than the National Average of 16.25% APR2!

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
  • Now offering Mobile Wallet services!

View the complete Smart Rate Agreement and Disclosure for additional information.



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. Rates effective as of 4/25/2020. 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. See a full list of agreements and account disclosures at 2 Based on the national average rates released for credit cards as of 04/12/2020 on 

Earn Smart Reward Points

Earn points for everyday spending when you use your USSFCU Smart Rewards Visa® Card. Points can be redeemed for travel, gift cards and cash!

Smart Rewards Points are:

  • Earned for every USSFCU Smart Reward purchase, except cash advances or balance transfers
  • Not subject to any sign-up, use, or maintenance fees
  • Not limited to any specific retailer’s goods or services
  • Smart Rewards points expire after 36 months

Redeem Smart Reward Points

Establish your rewards account, redeem, track and manage points online 24/7 by visiting the Smart Rewards Center. Members can also call the Smart Rewards Center at 877.909.1450, Monday-Friday, 6am-6pm (Pacific Time) for assistance with their rewards account.

View the Smart Rewards Brochure Smart Rewards Agreement and Disclosure for additional information on USSFCU's Smart Rewards Visa® Card.

Block and Report a Lost or Stolen Card.

*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 View the complete Smart Rate Agreement and Disclosure for additional information.

Members' Voice Testimonials

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

Very personable, solution based and takes in interest in your situation.

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

The credit union provides relatively good services and the security updates to the system are noticeable.

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

This credit union is the best, I love the customer service and you can?t beat the interest rates. And I?m happy to be a member of this great credit union.

Great staff helping all the time. Just a very well run company always good service.

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