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Routing Number: 253177049
Cash Rewards Visa Credit Card

Cash Rewards Visa® Credit Card

Get rewarded with cash back1 on every qualifying purchase you make.

Apply for Cash Rewards

New cardholder offers

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0% introductory balance transfer2

0% introductory APR2 for the first 12 months after account opening on balances transferred within the first 90 days after account opening, then 15.00% - 18.00% variable APR.3

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Introductory bonus rewards

As a new Cash Rewards cardholder, automatically qualify for a bonus of 0.5% for up to 2% total cash rewards for the first three months.4

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The Cash Rewards advantage

Cash back1 has never been easier. Enjoy the perks Cash Rewards has to offer with 15.00% - 18.00% variable APR3 on purchases and balance transfers.

  • Earn unlimited cash rewards

    Get 1.5% cash back4 on all qualifying purchases, plus a 0.5% bonus with a qualifying direct deposit for up to 2% cash back.4

  • Cash or statement credit

    Redeem for cash back1 to your SECU Checking or Share Account or for a statement credit.1

  • Automatic rewards redemption5

    Set up automatic rewards redemption5 and receive cash back1 monthly in your SECU account or as a statement credit.1

  • No annual fee

    Unlock all the advantages of Cash Rewards and pay no annual fee.

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Convenient card features and benefits

All SECU credit cards offer features fit for you.

  • Simple & fast balance transfers

    Save on interest when you transfer higher-interest credit card balances to an SECU Visa credit card.6

  • Visa Zero Liability

    You are protected from unauthorized or fraudulent charges on your card.7

  • Mobile wallet compatible

    Add cards to your mobile wallet to simplify and secure your shopping with Mobile Payments.

  • Tap-to-pay technology

    Enjoy contactless payment for fast, easy, and secure checkout.

  • Card Lock

    Protect your account from unwanted transactions by locking your credit card directly from the Mobile App.

  • Roadside Dispatch®

    Call on Roadside Dispatch for 24/7, pay-per-use roadside assistance at (800) 847-2869.

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Cash Rewards Visa Signature Credit Card

Visa Signature benefits

Cash Rewards cardholders whose credit limit is $5,000 or more will receive a Cash Rewards Visa Signature Card. Visa Signature cardholders have access to select additional benefits provided by Visa.

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Frequently asked questions about the Cash Rewards Card

Members may apply for a Cash Rewards Card online through Member Access, over the phone by contacting Member Services Support at (888) 732-8562, or at your local branch. Members must be 18 years of age or older or otherwise eligible for lending services to apply. New lending is restricted to residents of North Carolina, South Carolina, Georgia, Tennessee, and Virginia.

To report a lost or stolen card, contact Member Services Support at (888) 732-8562 or your local branch. Our representatives can assist you with replacing your card and reporting any fraudulent transactions.

 

If you think you’ve misplaced your card and would like to look for it before requesting a replacement, use the Card Lock feature in the Mobile App while you search.

Once a new card has been requested, it typically takes 7-10 business days to arrive.

You may request a balance transfer in Member Access or by visiting your local branch. Learn more about credit card balance transfers.

You can request a credit line increase through Member Access, by contacting Member Services Support at (888) 732-8562, or at your local branch. Credit line increases are permitted for existing credit cards regardless of the state in which you reside. Credit line increases must be approved and are not guaranteed.

 

Your credit limit may automatically increase from time to time based on your repayment history and other factors. We will notify you of any automated increase. Contact us if you’d like to decline automated increases.

Visa applies a fee to any international transaction. The fee is 1% of the U.S. dollar amount of the international transaction. An international transaction includes (a) any transaction made in a foreign currency, and (b) any transaction made or processed outside of the United States. For more information regarding international credit card transactions, review the Credit Cardholder Agreement on our Account Disclosures page.

You can dispute credit card transactions through Member Access, by contacting Member Services Support at (888) 732-8562, or at your local branch.

If you notice transactions that you did not make or approve, notify us immediately by contacting Member Services Support at (888) 732-8562. If you do not report fraud in a timely manner, we may not be able to reimburse you.

You can make payments online through Member Access by transferring money from another SECU account, over the phone by contacting Member Services Support at (888) 732-8562, at a CashPoints® ATM, or at your local branch.

Joint cardholders and authorized users will earn the same rewards on eligible purchases as the primary cardholder.

Cardholders will earn 1.5% base rewards per dollar spent on all qualifying purchases, uncapped. Cardholders who meet program eligibility requirements will earn 0.5% bonus rewards per dollar spent on all qualifying purchases, uncapped, in addition to 1.5% base rewards, for a total of 2% cash back.4

In order to qualify to earn the additional 0.5% bonus rewards, cardholders must meet the following requirements:

  1. Have and maintain in good standing any of the following SECU deposit account types: Checking, Share, Money Market Share, CashPoints® Global, Health Savings Account, Holiday Cash Club, Summer Cash, or Individual Retirement Account. SECU accounts that do not qualify include Share Term Certificate, NC 529, Coverdell Education Savings, FAT CAT,® and Zard® Accounts.

  2. Have monthly direct deposits in any of the qualifying accounts totaling $500 or more, in aggregate.

Caveat for new cardholders

New cardholders will automatically qualify to earn bonus rewards for the first three calendar months following their Cash Rewards Card account opening regardless of the deposit account and direct deposit requirements being met. Cardholders must meet the deposit account and direct deposit requirements by the end of the third full month that their Cash Rewards Card account is opened in order to qualify to earn bonus rewards in the fourth month.

 

For example, if a cardholder opens their Cash Rewards Card account on January 15, they would automatically qualify to earn bonus rewards for the remainder of January as well as the months of February, March, and April. The cardholder must meet the deposit account and direct deposit requirements in any two of the months of February, March, or April in order to qualify to earn bonus rewards for the month of May.

 

All cardholders on an account (including joint and authorized users) will earn the same rewards (1.5% or 2%) as the primary cardholder. Eligibility will be based on the primary cardholder’s deposit accounts.

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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. 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 ($25 reward dollars). Statement credits will reduce the balance on your account but will not count as payments.
  2. 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.
  3. 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 7.50% and 10.50%, 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.
  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. When you enable auto-redemption, your entire rewards balance will be redeemed as cash back to the selected account or as a credit card statement credit each month. Your rewards balance must exceed the minimum $25 required redemption to activate the auto-redemption.
  6. 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.
  7. 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.