Visa Credit Card
USSFCU Visa® cards have no hidden costs, annual fees, and no balance transfer fees.
With a USSFCU Visa® Smart Rate or Smart Rewards credit card, you will enjoy consistent, low-interest rates; the ability to track and manage your account 24/7; emergency 24-hour card assistance; and free auto rental collision insurance. USSFCU Visa® credit cards can be used wherever Visa® is accepted worldwide.
$0 Balance Transfer Fee—Consolidate your spending today. One card, one payment, one great low rate.
Which USSFCU Visa® credit card — Smart Rate or Smart Rewards — is right for you? Visit our Compare Our Cards page to find out more.
Not a member? Not a problem. With 140 plus paths to membership, joining is simple and easy. Learn About Eligibility or Join Now!
All loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. Not all applicants will qualify for the lowest rate. Your account is subject to a Variable Interest Rate. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and will affect the amount of your regularly scheduled payments that you will be required to make. View ussfcu.org/rates for rates, terms and conditions.
* Other fees may apply. See Visa disclosure for complete information.
With online shopping and auto bill-pay growing rapidly, almost everyone has a card-on-file somewhere. Updating card info when a new card is issued can be tedious and time consuming. Visa® Account Updater (VAU) simplifies this process for you!
When your Visa® debit or credit card expiration date or card number changes, whether it’s lost, stolen or reissued for other reasons, VAU will communicate your new card information directly to the participating merchants that you have authorized to charge your card.
What is Visa® Account Updater? VAU enables the secure electronic exchange of card number and expiration date updates between USSFCU and participating card-on-file (COF) merchants.
VAU is designed to help prevent interruption of your recurring payments and possible service disruptions when your card information changes. We recommend that you notify each merchant of your new debit (check) or credit card number and/or expiration date to ensure your payments continue uninterrupted.
VAU only applies to recurring Visa® debit and credit card payments, and updates are only sent to qualified participating merchants.
What does this service do? The VAU service takes the most recent Visa® card number and expiration date updates in our system and updates this information with merchants that have those specific cards on file. Not all merchants participate in this service.
Benefits of the VAU service:
- Offers a seamless account-update process, eliminating the need for direct action on your part.
- Helps prevent interruption of your recurring payments and possible service disruptions when your card information changes.
- Reduces negative experiences caused by declines.
View our Visa® Account Updater FAQ for more information.
Visa® Account Updater is a Visa® service; not a USSFCU service. VAU only applies to recurring Visa debit and credit card payments, and updates are only sent to qualified participating merchants. Not all merchants subscribe to VAU. Contact merchant(s) directly to find out if they participate in Visa® Account Updater. Complete information on all Visa® services can be found by visiting Visa®’s website at https://usa.visa.com/.
*Members should not send personal information via email.
Verified by Visa® enrollment is no longer required on our US Senate Federal CU credit cards, but rest assured that your Visa® card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which eliminates the need for passwords, allowing you to shop without interruption.