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Visa Smart Rewards

Enjoy a low rate, no annual fees and the ability to earn rewards with USSFCU's Smart Rewards Visa®

Smart Rewards Pays You Back. Earn points for everyday spending when you use your USSFCU Visa® Smart Rewards Card. Points can be redeemed for travel, gift cards and cash!

Earning Smart Reward Points is Easy! 

Earn one point for every dollar you spend using your USSFCU Smart Rewards Card. 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

Redeeming Smart Reward Points

Redeem, track and manage points online 24/7 by visiting the Smart Rewards Center. Smart Rewards points expires after 36 months

Members can also call the Smart Rewards Center at 877.909.1450, Monday-Friday, 6am-6pm (Pacific Time) for assistance with their rewards account.

Visit the Smart Rewards Center to establish your account, track points and browse award options. 

View the Smart Rewards brochure & Smart Rewards Agreement and Disclosure for additional information.

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 for rates, terms and conditions. 

Read USSFCU's complete Smart Rate Agreement and Disclosure here .

* Other fees may apply. See Visa disclosure for complete information.

Block and Report a Lost or Stolen Card  

Block and Report a Lost or Stolen Card.

*For more information, please see the terms and conditions. **See Visa® disclosure for cash advance and over-the-limit details on our rate page.