Smart Rate
USSFCU’s Smart Rate offers the lowest interest rate while Smart Rewards provides opportunities to earn redeemable awards through USSFCU’s Smart Rewards Program. Learn more below!
Visa® Smart Rate – USSFCU’s Standard Credit Card Option
Accepted worldwide, USSFCU’s Visa Smart Rate offers a low interest rate and serves as USSFCU’s standard credit card option. It 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*
- Debt protection available
- 24/7 online account management and tracking
- 24/7 emergency card assistance
- Free auto rental collision insurance
- Free enrollment in Verified By Visa – Online Purchase Protection
- Free enrollment in smsGuardian – Text Alert Fraud Prevention
