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Smart Rewards

Smart Rewards Visa® Credit Card

Earn 1,000 bonus points for every $250 spent using your USSFCU Smart Rewards Visa® Credit Card.*

Limited time offer valid July 1-31, 2020

That’s 1,000 extra points in addition to the standard points you’ll earn!

Valid on cumulative purchases, earn a maximum of 4,000 bonus points. See additional details below.

Smart Rewards cardholders enjoy a low rate, no annual fees and the ability to earn rewards!  Accepted worldwide, the 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
  • 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 services3

Plus, earn one point for every dollar spent using your Smart Rewards card!+

View the complete Smart Rewards Agreement and Disclosure for additional information.


Earn Smart Reward Points

Earn points for everyday spending when you use your USSFCU Visa® Smart Rewards 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.

View the Smart Rewards Brochure for complete program terms, conditions and exclusions.

*Offer valid between Wednesday, July 1, 2020 (12:00am EST.) and Friday, July 31, 2020 (11:59pm EST). Receive 1,000 bonus smart rewards points per every $250 spent using your USSFCU Smart Rewards Visa® Credit Card during the promotional period. Not all transactions qualify for reward points, such as cash advances, balance transfers and PIN-based transactions. Maximum bonus points capped at 4,000. Bonus points will be credited to your Smart Rewards program account within 10 business days after qualifying purchase total has been met. This promotion may be changed or terminated at any time without notice, restriction, or penalty.

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 3 Cardholder must activate each payment service before paying with their mobile device. Visit for more information on activation, device requirements, terms and conditions.

+ $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 the Smart Rewards Brochure for complete program terms, conditions and exclusions or call the redemption center, Monday-Friday at 877.909.1450 from 6am-6pm PST.

mobile wallet now available

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.

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

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

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

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. And 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.

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