Credit Card Rewards

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. Rewards are calculated based on Net Purchases, which are the amount of eligible purchase transactions minus returns, refunds, other credits, or disputed, unauthorized, illegal or fraudulent charges. You earn Rewards on purchases, but you do not earn Rewards on transactions involving the purchase or funding of instruments such as gift cards, prepaid cards, reloadable cards, money orders, cashier's checks, foreign currency, cryptocurrency, or securities; transactions involving money transfer, money transmission, or wire transfers; or Purchases made for gambling or lottery purposes. You also do not earn Rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. Cash Rewards expire in four (4) years. Points Rewards expire in five (5) years. Certain purchase transactions are not eligible for rewards. Refer to the Rewards Terms and Conditions Supplements for further details. 
2. 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, as long as your rewards balance exceeds the minimum $25 required for cash back redemptions.
3. Any rewards redeemed as cash back or statement credits may be redeemed as cash back to your SECU checking or share account or as SECU Credit Card statement credits. All cash back and statement credit 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.
4. In order to qualify for Bonus Rewards, the primary cardholder must have monthly direct deposits totaling $500 or more, in aggregate, in an active qualifying SECU deposit account (certain accounts are excluded).  The primary cardholder must meet these direct deposit qualifications in at least two out of the preceding three calendar months in order to qualify for the 2% Cash Rewards (1.5% Base Rewards plus 0.5% Bonus Rewards). Otherwise your Cash Rewards on purchases will be limited to 1.5% Base Rewards.  You will automatically qualify for Bonus Rewards for the first three months following account opening. Additional restrictions apply. Refer to the Cash Rewards Terms and Conditions Supplement for further details.
5. 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. Refer to the Points Rewards Terms and Conditions Supplement for more details.