Skip to content

Smart Rewards

Smart Rewards Visa® Credit Card

Enjoy a low rate, no annual fees and the ability to earn rewards!1

Use your USSFCU Smart Rewards Visa Credit Card for day-to-day expenses, big-ticket items, and beyond. The more you spend, the more points you'll earn.+ When you have enough points for the reward you want, go to the rewards site, redeem and enjoy. 

Accepted worldwide, USSFCU's Smart Rewards Visa® offers a number of benefits including:

  • No balance transfer fees2
  • No cash advance fees2
  • No annual fees2
  • No rate change for late payments2
  • No over-the-limit fees2
  • No rate increases on cash advances2
  • 24/7 emergency card assistance
  • 24/7 online account management and tracking
  • Make contactless payments with Mobile Wallet3
  • Free auto rental collision insurance
  • Debt protection available

Redeem Points for the Rewards You Want!

  • Gift Cards Choose from hundreds of your favorite stores and restaurants.
  • Travel Rewards Flights, hotels, car rentals, cruises, vacation experiences, and more.
  • Cash Spend it however you want.
  • Merchandise Thousands of popular items to choose from.
  • Purchase Rebates Get reimbursed for what you've already bought.

To redeem your Smart Rewards Points simply log-in to your myUSSFCU Online Banking account and click the Card Rewards tab. You'll instantly be directed to the rewards portal, where you'll be able to view and manage your points and browse and redeem thousands of rewards.

If you experience any difficulties logging into your account, or if you need any assistance related to the Rewards program, please contact the Support Team toll-free at 855.854.5493 from 6 am to 6 pm, Monday through Friday (Pacific Time).

View our Smart Rewards brochure for complete program rules.

Log in to Online Banking

Looking to Apply After Regular Business Hours? With USSFCU After Hours service, we are now reviewing applications and making decisions after regular business hours.

Manage Your Cards From the Palm of Your Hand! 

Learn how to turn cards on or off, set spending limits and get alerts with MyCardRules

The current MyCardRules™ app will end no longer be available after 5/31/22. 

Learn more about how to manage your cards within the new Online Banking and Mobile Banking app. 

mobile wallet now available


+ $1=1 reward point with a Visa® Smart Rewards Credit Card on signature-based transactions. Not all transactions qualify for reward points, such as cash advances, balance transfers and PIN-based transactions. Other terms and conditions may apply. Program subject to change without notice. View complete program terms and conditions in the Smart Rewards brochure.

1 All loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. 2 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. To view our fee schedule visit View the complete Smart Rewards Visa Credit Card Agreement and Disclosure for additional information. 3 Cardholder must activate each payment service before paying with their mobile device. Visit for more information on activation, device requirements, terms and conditions.

Members' Voice Testimonials

I feel my money is safe, the service has always been top-notch and we've found it easy to use even though I probably haven't set foot in one of the branches in five years. Joining the credit union is one of the smartest things I've done.

USSFCU has been my first banking option for over 40 years - no fee atms - my grands are now members of the credit union and value their credit union membership also.

USSFCU staff continues to be the best and always has my best interest.

The USSFCU has been an important part of my financial situation and has provided outstanding service.

Every experience with USSFCU has been extremely good right from the start. Our main account with USSFCU is a HELOC with zero over prime rate, which is almost unheard of. The customer service has always been excellent. And when we asked for a temporary payment break to navigate and reorient professionally due to the sudden and temporary financial im...

I've always been treated very professionally and the person caring for my financial needs always listened to me and helped me in a way that was not stressful and beneficial to me.

USSFCU has never failed us in its' role of being the best bank ever. All the personnel are professional, friendly, efficient and have more than earned our trust, appreciation and admiration. We admire the way they are constantly evaluating, adapting and growing their services for the benefit of its' members. We are very grateful to have had this im...

Magnificent people, great help during the hard times.

I've been banking here for over 20 years it's the best customer service. Credit card interest rates don't gouge at USSFCU. It's a wonderful place to bank.

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

Provides excellent customer service and this is demonstrated by their great attention to detail. USSFCU provides excellent financial products and professional communication.

I joined in 1975 when I began my 41 year career in the U.S. Senate. It was a family and still is - one to be depended on in times of need and for advice.

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

All of my children and grandchildren have USSFCU accounts now. I really admire USSFCU and its staff completely, they have always looked out for my interests.

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. 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.

Always good service, especially when I telephone in. I have another credit union where, every time I call in, I have to wait a considerable amount of time before reaching a representative. When I worked on the Hill, it always was a pleasurable experience coming to the credit union office, whether to make a deposit or apply for a loan.

Customer service via the phone is very helpful and easy to accomplish requests.

Care about their clients and concerned about making sure they have the best rates and packages.

USSFCU has always been accommodating, easy to work with, and staff are always kind. I have every intention of keeping my account with this bank for a long, long time.

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

Read More testimonials.