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Smart Rewards

Shop Smart and Maximize the Joy of Giving!

Five Times the Points:

  • Throughout November and December, every online purchase earns you five times the points.*

If you haven't experienced the magic of our rewards card:

  • Apply during the months of November and December and unwrap a 5,000 welcome point bonus!**

Give a little, get a little with your USSFCU Visa® Smart Rewards Card

When you use your Smart Rewards Credit Card for your holiday shopping, you earn points that can be used for a variety of purchases such as travel, merchandise, and gift cards. You can also opt for payout options in the form of direct deposit or purchase rebates, saving you money on your total holiday spending. Beyond the points, our Smart Rewards card offers a number of additional benefits including:

  • $0 annual fee
  • No balance transfer fees1
  • No cash advance fees
  • No rate change for late payments1
  • No over-the-limit fees1
  • No rate increases on cash advances1
  • 24/7 emergency card assistance
  • Free auto rental collision insurance
  • Debt protection available
  • 24/7 online account management and tracking
  • Make contactless payments with Mobile Wallet2
  • Accepted worldwide

USSFCU cards are now contactless!

Current members will receive contactless cards when their current card expires or is reissued. If you prefer not to have a contactless card, contact our Member Service Contact Center at 800.374.2758, and we can issue a non-contactless card by mail. Contactless cards are not available in branch via Instant Issue.

Purchase. Earn. Redeem.

Use your USSFCU Smart Rewards Visa 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. 

Redeem your points on:

  • 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 Choose from thousands of popular items.

  • Purchase Rebates Get reimbursed for what you've already bought.

To Redeem your Smart Rewards Points: Log in to your account and click the Card Rewards tab. You'll instantly be directed to the rewards portal, where you can view and manage your points and browse and redeem thousands of rewards. 

For Rewards program assistance, or to redeem your reward points by phone, please contact the Support Team toll-free at 855.854.5493 from 6:00 am to 6:00 pm, Monday through Friday (Pacific Time).

View our Smart Rewards brochure for complete program rules.

*Bonus reward points are only earned on online credit card transactions. Not all transactions qualify for reward points, such as cash advances, balance transfers and PIN-based transactions. Merchants/retailers may process signature debit card transactions as PIN-based transactions even if a PIN was not provided; these transactions would not qualify. USSFCU is not responsible for the processing method selected by the merchants. Not all merchants will participate in the reward points program.

5X Points: Promotion valid between Wednesday, November 01, 2023 (12:00am EST.) through Saturday, December 31, 2023 (11:59pm EST). $1=5 points when you use your USSFCU Smart Rewards Visa® Credit Card on qualifying online purchases during the promotional period. Exclusions apply. Points promotion capped at 100,000 points. Any points accrued in excess of 100,000 will earn standard points ($1=1 point with a Visa Smart Rewards Credit Card and $4=1 point with a USSFCU Debit Card on signature-based transactions).

Standard: $1 = 1 point when you use your USSFCU Smart Rewards Visa Credit Card on qualifying purchases. Reward points are only earned on signature-based transactions. Not all transactions qualify for reward points, such as cash advances, balance transfers, and PIN-based transactions. Merchants may process signature debit card transactions as PIN-based transactions even if a PIN was not provided; these transactions would not qualify. USSFCU is not responsible for the processing method selected by the merchants. Not all merchants will participate in the reward points program. Other terms and conditions may apply. Program subject to change without notice. View complete program terms and conditions in the Smart Rewards brochure.

**5,000 Bonus Points: Offer available to new Smart Rewards Visa Credit Cardholders only. Valid for Smart Rewards Visa Credit Cards opened between November 01, 2023, and December 31, 2023. Must complete five transactions using your new card before January 31, 2024, to qualify for bonus points. 5,000 Bonus points will be credited to your rewards account on or before Friday, February 16, 2024.

1: Other fees may apply. The 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 2: Cardholders must activate each payment service before paying with their mobile device. Visit for more information on activation, device requirements, terms, and conditions.

All loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income, and debts. Not all applicants will be approved. Your account is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal ("Index") in effect on the last day of each calendar quarter plus our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the next billing cycle following the change. Increases or decreases in the Interest Rate will result in increases or decreases in the Finance Charge and will affect the amount of your regularly scheduled payments that you will be required to make. Other fees may apply. View our Smart Rewards Visa Credit Card Agreement and Disclosure for additional information. 

Members' Voice Testimonials

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.

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!

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

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