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 ussfcu.org/visa. 2 Based on the national average rates released for credit cards as of 04/12/2020 on creditcards.com/credit-card-news/rate-report.php.
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.
*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 Agreement and Disclosure for additional information.