Visa® Smart Rate – USSFCU’s Standard Credit Card Option.
USSFCU’s Visa® Smart Rate offers a lower-than-average APR* 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 holiday spending!
Accepted worldwide, the Visa Smart Rate® offers cardholders a number of benefits, including:
- No balance transfer fees1
- No cash advance fees1
- No annual fees1
- No rate change for late payments1
- No over-the-limit fees1
- No rate increases on cash advances1
- Debt protection available
- 24/7 online account management and tracking
- 24/7 emergency card assistance
- Free auto rental collision insurance
- Advanced risk detection technology
- Free enrollment in smsGuardian – Text Alert Fraud Prevention