Personal
Visa® Credit Cards

Smart Rate

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 

Not a member? Not a problem. With 140 plus paths to membership, joining is simple and easy. Learn About Eligibility or Join Now!

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*APR = 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 for the lowest rate. 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 ussfcu.org/rates for rates, terms and conditions. 1Other fees may apply. See Visa disclosure for complete information.

Read USSFCU's complete Smart Rate Agreement and Disclosure here.