Smart Rewards

Smart Rewards

SEASON OF MORE REWARDS

Earn 50,000 Bonus Points

Earn 50,000 Smart Rewards points* when you fund a qualifying Auto Loan, Personal Home Improvement Loan, or Debt Consolidation Loan of $25,000 or more by December 31.

Smart Rewards Visa® — Points, Perks & No Hidden Fees

Turn everyday spending into rewards you can redeem for travel, merchandise, cash back, and more. With no annual, balance transfer, or cash advance fees, Smart Rewards Visa® gives you more value from every purchase.

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Card Highlights:

  • $0 annual fee¹

  • No balance transfer or cash advance fees¹

  • No penalty rate increases or over-limit fees¹

  • 24/7 emergency card assistance

  • Free auto rental collision insurance

  • Contactless payments with Mobile Wallet²

  • Accepted worldwide

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How to Redeem Your Smart Rewards Points

Your Smart Rewards experience just got even better! The new Smart Rewards site is now live, featuring an improved look, easier navigation, and new ways to redeem your points.

Redeem Your Points For:

  • Gift Cards: Hundreds of popular stores and restaurants

  • Cash Back: Spend it however you want

  • Merchandise: Thousands of trending products

  • Purchase Rebates: Get reimbursed for what you’ve already bought

  • Travel & Experiences: Redeem by phone for a customized booking experience

To redeem: Log in to myUSSFCU Online or Mobile Banking and select Rewards to access the Smart Rewards portal.

To receive monthly rewards statements by email, click your profile image, select Profile & Settings, and enable “Receive Monthly Account Statement Emails.”

Need Assistance?
For help with the Smart Rewards program or to redeem points by phone, contact our Smart Rewards Support Team:

View our Smart Rewards brochure for complete program rules.

Additional Cardholder Benefits

Your USSFCU Visa® Smart Rewards Credit Card comes loaded with protection and travel benefits—so you can shop and explore with confidence, backed by the power of Visa®.

Extended Warranty Coverage
Extends manufacturer warranties on eligible items purchased with your card.
Register a product at cardbenefitservices.com, or call 800.882.8057.

Auto Rental Collision Damage Waiver
Primary coverage when renting a car — no need to purchase the rental company’s insurance.
Learn more at eclaimsline.com.

Roadside Dispatch
24/7 pay-per-use emergency assistance, including flat tires, lockouts, and jump-starts.
Call 800.847.2869 anytime.

Travel Assistance Services
Emergency help while traveling — available 24 hours a day, 365 days a year.
Call 800.992.6029 for immediate assistance.

Visa cardholder benefit programs may be discontinued at any time without prior notice. USSFCU is not responsible for the rendering of cardholder benefit services. Benefits do not apply to suspended or canceled accounts.

*Season of More Rewards Terms & Conditions: Offer valid October 1–December 31, 2026. Members can earn 50,000 Smart Rewards points when they fund a qualifying Auto Loan, Personal Home Improvement Loan, or Debt Consolidation Loan of $25,000 or more during the promotional period. Loan application must be initiated through the designated prequalification link. Smart Rewards participation and an active Smart Rewards debit or credit card are required. Limit one 50,000-point bonus per member. Bonus points will be credited by January 15, 2027. 

$1 = 1 point on qualifying signature-based transactions. Exclusions include cash advances, balance transfers, and PIN-based transactions. Merchants may process transactions as PIN-based even without a PIN, which would not qualify. USSFCU is not responsible for merchant processing methods. Not all merchants participate. 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.

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

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

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