Celebrate Moms, Dads & Grads with Big Rewards!
From May 1 to June 30, enjoy 5x points** on qualifying purchases—plus 25,000 bonus points*** when you open a new card and make 5 purchases by July 31.
Apply below to get started, and turn everyday spending into real rewards.
Smart Rewards
Smart Rewards
When you use your Smart Rewards Credit Card for your 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 spending. Beyond the points, our Smart Rewards card offers a number of additional benefits including:
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Introducing our new 24/7 Loan-by-Phone service!
Whether it's nights or weekends, we are now available to review applications and make decisions after regular business hours. Call and discuss your loan with us at your convenience at 800.374.2758. Learn more
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:
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Gift Cards Choose from hundreds of your favorite stores and restaurants.
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Travel Rewards Flights, hotels, car rentals, cruises, vacation experiences, and more.
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Cash Spend it however you want.
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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 my.ussfcu.org 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.
Additional Cardholder Benefits
From extended warranty protection to travel assistance, your USSFCU Smart Rewards card comes loaded with benefits. Make your purchases with confidence, knowing that you're covered by the power of Visa.
Extended Warranty Coverage
The USSFCU Visa Smart Rewards Card enhances your purchase protection with extended warranty coverage. This benefit extends the original manufacturer’s warranty on qualifying items purchased in full with your rewards card, which can save you a significant amount in potential repair or replacement costs, particularly with electronics and appliances. Register a product at cardbenefitservices.com, or by calling 1-800-882-8057.
Auto Rental Collision Damage Waiver
Traveling with peace of mind is made easier with the card’s Auto Rental Collision Damage Waiver. This coverage serves as your primary insurance when renting a vehicle, allowing you to decline the rental company’s daily insurance offer. This not only saves you money but can also cover you in case of theft or collision damage to the rental car. To learn more about Auto Rental Collision Damage Waiver, visit www.eclaimsline.com.
Roadside Dispatch
The Roadside Dispatch benefit is a pay-per-use service that offers assistance if you encounter trouble while on the road, such as a flat tire, dead battery, or locked car. It’s a convenient solution that acts like an on-call emergency service for your vehicle. If you need roadside assistance, call 800.847.2869. This line is available 24/7.
Travel Assistance Services
Travel and Emergency Assistance Services are made available to help you in case of an emergency while you are traveling away from home. A Benefits Administrator can connect you with the appropriate local emergency and assistance resources, 24 hours a day, 365 days a year. To use the services, or for more information about this benefit call 1.800.992.6029.
Visa cardholder benefit programs may be discontinued at any time without prior notice. Void where prohibited. United States Senate Federal Credit Union shall not have any responsibility or liability in connection with the rendering of cardholder benefit services. Benefits will not apply to cardholders whose accounts have been suspended or cancelled.
** Five time the rewards points promotion valid between Thursday, May 01, 2025 (12:00 am EST.) and Monday, June 30, 2025 (11:59 pm EST). $1 = 5 points when you use your USSFCU Smart Rewards Visa Credit Card on qualifying purchases during the promotional period. Cable, Satellite and Other Pay Television/Radio/Streaming Services do not qualify, Utilities such as Electric, Gas, Water, and Sanitary do not qualify. Other exclusions apply. 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 credit 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. 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).
*** Offer available to new Smart Rewards Visa Credit Cardholders only. Valid for Smart Rewards Visa Credit Cards opened between May 01, 2025, and June 30, 2025. Must complete five transactions using your new card before July 31, 2025, to qualify for bonus points. 25,000 Bonus points will be credited to your rewards account on or before August 15, 2025. 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.
* $1=1 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. 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. Other terms and conditions may apply. View our Smart Rewards brochure for complete program details.
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 ussfcu.org/fees. 2: 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. 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. Visa® is a registered trademark of Visa.