Credit Cards

This offer is valid for new accounts only. You must be at least 18 years of age or otherwise eligible for lending services to apply. New lending is limited to residents of North Carolina, South Carolina, Tennessee, Georgia, or Virginia. You are limited to being contractually liable on three (3) total SECU Visa Classic, Visa Cash Rewards, or Visa Points Rewards Credit Card accounts. For more information, please see the SECU Credit Cardholder Agreement.

1. For new cardholders only. Balance transfers made under an introductory or promotional APR will be subject to a balance transfer fee of 3% of the amount of each transfer or $5, whichever is greater.
2. APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. The variable APR for purchases and balance transfers equals the U.S. Prime Rate plus a margin of between 4.50% - 7.50% for Classic Credit Card and between 7.50% and 10.50% for Cash and Points Rewards Cards, based on your creditworthiness at account opening. The variable APR is subject to change, with the U.S. Prime Rate, as published in The Wall Street Journal on the first day of your billing period that begins in January, April, July, and October. Cash Advances have a fixed APR of 18.00%. The APR will not exceed the maximum permitted by applicable law.
3. Visa Zero Liability Policy for unauthorized purchase transactions means you are not responsible for fraudulent transactions on your card if you promptly notify us of any unauthorized use. For additional details visit Visa’s Zero Liability Policy.
4. Net purchases are the eligible purchase transactions minus returns, refunds, other credits, or disputed, unauthorized, illegal, or fraudulent charges. The primary cardholder must have an active qualifying SECU deposit account (certain accounts are excluded) with a monthly direct deposit totaling $500 or more, in aggregate in order to qualify for bonus rewards, otherwise your cash back on purchases will be limited to 1.5% base rewards. You must then meet these direct deposit qualifications in at least two out of the preceding three calendar months to move back to the 2% cash back (1.5% base rewards plus 0.5% bonus rewards) qualifier. You will automatically qualify for bonus rewards for the first three months following account opening. Additional restrictions apply. Cash rewards expire in four (4) years. Certain purchase transactions are not eligible for rewards. Refer to the Cash Rewards Terms and Conditions Supplement for further details.
5. Redeem rewards for cash back to your SECU Checking or Share Account, or redeem for SECU credit card statement credits. All redemptions must be $25 or greater (2,500 points or $25 reward dollars). Statement credits will reduce the balance on your account but will not count as payments.
6. Earn 3 points per dollar of net purchases in the gasoline and electric vehicle (EV) charging category, 2 points per dollar of net purchases in the restaurant category, and 1.5 points per dollar of net purchases in all other categories. "Net purchases" means the eligible purchase transactions minus returns, refunds, other credits, or disputed, unauthorized, illegal, or fraudulent charges. Transactions are placed into points categories based on merchant codes assigned by Visa. Even though a merchant or some of the items that it sells may appear to fit within a points category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant will not qualify for points offers on purchases in that category. Certain restrictions and limitations may apply for travel redemptions. Points rewards expire in five (5) years. Certain purchase transactions are not eligible for rewards. Refer to the Points Rewards Terms and Conditions Supplement for more details.
7. Interest begins to accrue on purchases and balance transfers from the day the transaction is added to the daily balance and continues to accrue until the total amount owed is paid. You can avoid paying interest on purchases and balance transfers if you pay the entire balance for the prior billing cycle by the payment due date in the current billing cycle. You cannot avoid paying interest on cash advances.