Smart Rewards

Smart Rewards

USSFCU Smart Rewards Visa® Credit Card

A low-rate, reward earning credit card specifically designed with USSFCU members in mind.

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

Contactless Cards from USSFCU

Tap, Pay and Be On Your Way!

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.

 

Apply NowRates

Applying After Hours?

With USSFCU After Hours service, we are now reviewing applications and making decisions after regular business hours.

Redeem Your Points for 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 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 myUSSFCU Online Banking 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.

mobile wallet now available

 

1 USSFCU's Visa Smart Rewards Program offers one reward point per $1 spent 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.

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 ussfcu.org/fees. View the complete Smart Rewards Visa Credit Card Agreement and Disclosure for additional information. 3 Cardholders must activate each payment service before paying with their mobile device. Visit ussfcu.org/mobilewallet 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.

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.

- James · Locust Grove, GA

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!

- Larry · Cumberland, MD

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.

- Eliza · Washington, DC

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

- Charles · Upper Marlboro, MD

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.

- Denise · Washington, DC

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.

- David · Silver Spring, MD

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 ...

- Manuel · Bowie, MD

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!

- Misty · Brookings, OR

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.

- Tamra · Denver, CO

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.

- John · Fort Washington, MD

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

- Bernard · Richmond, VA

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

- Erwin · Ellicott City, MD

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.

- Ruth · Takoma Park, MD

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

- Jacquelyn · Sanford, FL

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.

- Jamie · Washington, DC

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.

- Kathleen · Ukiah, CA

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.

- Richard · Washington, DC

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.

- Nicole · Alexandria, VA

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