Low Rate Credit Cards

Having a Scott Credit Union Credit Card means you can make the purchases you need without the added expense of a high interest rate or an annual fee. No matter where you are in your financial journey, Scott Credit Union has the perfect card for you. With low interest rates, no annual fee, and no balance transfer fee, you really can’t go wrong with a low rate credit card from Scott Credit Union! Apply online.

Visa Platinum Preferred

Features at a glance1

  • Earn rewards
  • Low intro rate as low as 0.00% APR2 for the first six billing cycles
  • No annual fee
  • No balance transfer fee
  • Up to $20,000 credit limit
  • 25-day grace period
  • $1 million travel/accident insurance
  • Baggage delay insurance
  • Purchase security and extended protection
  • Auto rental collision damage waiver (CDW)
  • Cell phone protection
  • Roadside dispatch
  • Travel and emergency services (TEAS) available 24/7
  • Return protection
  • Emergency cardholder benefits, including lost and stolen card reporting
  • 24/7 customer service
  • Visa Platinum Preferred Disclosures

With Scott Credit Union’s Visa Platinum Preferred Credit Card, you can save money with our low interest rates and reward yourself along the way! Enjoy 0.00% APR2 for six months on both purchases and balance transfers. After six months, the rate changes to as low as 10.90% APR to 17.90% APR depending on your credit. No matter how big or small the purchase, you can rest assured that you are getting the best deal with a Visa Platinum Preferred Credit Card from Scott Credit Union.

Frequently asked questions about our Visa Platinum Preferred Card

How do I apply?

You can apply quickly and securely with our online application in as little as 10 to 20 minutes. You can also apply in person by visiting any of Scott Credit Union’s 15 convenient locations, or over the phone by calling our Member Service Center at 618-345-1000.

Reward yourself for shopping.

With Scott Credit Union’s Visa Platinum Preferred Card, you really can have it all. Not only will you enjoy a low intro rate of 0.00% APR2 for six months, you will earn rewards too! For every $1 in credit card signature transactions, you will earn one point. Points are redeemable for merchandise, travel, gift cards, charitable donations, and cash back! Plus, browse rewards and redeem points online with our Rewards! website. Learn more about rewards.

Manage your account online.

With GoToMyCard, you get secure online access to your account so that you can review card activity, view billing statements, and make a payment!  Registering for a GoToMyCard account is quick, easy, and free.  Get started with GoToMyCard to register, or if you SCU Online set up, we offer a single sign on option that doesn’t require a separate account. Click here to visit GoToMyCard.com.

1Please review account agreement for benefit details and conditions.

2APR = Annual Percentage Rate. Promotional rate for the first six billing cycles, after the sixth billing cycle the rate changes to as low as 10.90% APR to 17.90% APR depending on credit worthiness.

Visa Platinum Plus

Features at a glance1

  • Low intro rate as low as 0.00% APR2 for the first six billing cycles
  • No annual fee
  • No balance transfer fee
  • Up to $20,000 credit limit
  • 25-day grace period
  • $1 million travel/accident insurance
  • Baggage delay insurance
  • Purchase security and extended protection
  • Auto rental collision damage waiver (CDW)
  • Cell phone protection
  • Roadside dispatch
  • Travel and emergency services (TEAS) available 24/7
  • Return protection
  • Emergency cardholder benefits, including lost and stolen card reporting
  • 24/7 customer service
  • Visa Platinum Plus Disclosures

Willing to sacrifice rewards for a better interest rate? Look no further than Scott Credit Union’s Visa Platinum Plus Credit Card. Enjoy 0.00% APR2 for six months on both purchases and balance transfers. After six months, the rate changes to as low as 8.90% APR to 15.90% APR depending on your credit. No matter how big or small the purchase, you can rest assured that you are getting a great rate with a Visa Platinum Plus Credit Card from Scott Credit Union.

Frequently asked questions about our Visa Platinum Plus Card

How do I apply?

You can apply quickly and securely with our online application in as little as 10 to 20 minutes. You can also apply in person by visiting any of Scott Credit Union’s 15 convenient locations, or over the phone by calling our Member Service Center at 618-345-1000.

Manage your account online.

With GoToMyCard, you get secure online access to your account so that you can review card activity, view billing statements, and make a payment!  Registering for a GoToMyCard account is quick, easy, and free.  Get started with GoToMyCard to register, or if you SCU Online set up, we offer a single sign on option that doesn’t require a separate account. Click here to visit GoToMyCard.com.

1Please review account agreement for benefit details and conditions.

2APR = Annual Percentage Rate. Promotional rate for the first six billing cycles, after the sixth billing cycle the rate changes to as low as 8.90% APR to 15.90% APR depending on credit worthiness.

MasterCard® Platinum Plus

Features at a glance1

  • Low intro rate as low as 0.00% APR2 for the first six billing cycles
  • No annual fee
  • No balance transfer fee
  • Up to $20,000 credit limit
  • 25-day grace period
  • $1 million travel/accident insurance
  • 24/7 customer service
  • Emergency cardholder services, including lost and stolen card reporting
  • MasterCard® Smart Shopper Benefits3, including:
    • Satisfaction guarantee coverage
    • Purchase assurance
    • Extended warranty
    • Master RoadAssist service
    • Travel assistance services
    • MasterCard® global service
  • MasterCard® Platinum Plus Disclosures

Willing to sacrifice rewards for a better interest rate? Look no further than Scott Credit Union’s MasterCard® Platinum Plus Credit Card. Enjoy 0.00% APR2 for six months on both purchases and balance transfers.  After six months, the rate changes to as low as 8.90% APR to 15.90% APR depending on your credit.  No matter how big or small the purchase, you can rest assured that you are getting a great rate with a MasterCard® Platinum Plus Credit Card from Scott Credit Union.

Frequently asked questions about our MasterCard® Platinum Plus Card®

Manage your account online.

With GoToMyCard, you get secure online access to your account so that you can review card activity, view billing statements, and make a payment!  Registering for a GoToMyCard account is quick, easy, and free.  Get started with GoToMyCard to register, or if you SCU Online set up, we offer a single sign on option that doesn’t require a separate account. Click here to visit GoToMyCard.com.

How do I apply?

You can apply quickly and securely with our online application in as little as 10 to 20 minutes. You can also apply in person by visiting any of Scott Credit Union’s 15 convenient locations, or over the phone by calling our Member Service Center at 618-345-1000.

1Please review account agreement for benefit details and conditions.

2APR = Annual Percentage Rate. Promotional rate for the first six billing cycles, after the sixth billing cycle the rate changes to as low as 8.90% APR to 15.90% APR depending on credit worthiness.

3MasterCard® Smart Shopper Benefit details can be found on their website: https://www.mastercard.us/en-us/consumers/features-benefits/card-benefits.html

MasterCard® Platinum Secured

Features at a glance1

  • Low Intro Rates as low as 15.90% APR2
  • No annual fee
  • No balance transfer fee
  • Up to $1,000 credit limit
  • 25-day grace period
  • $1 million travel/accident insurance
  • 24/7 customer service
  • Emergency cardholder services, including lost and stolen card reporting
  • MasterCard® Smart Shopper Benefits3, including:
    • Satisfaction guarantee coverage
    • Purchase assurance
    • Extended warranty
    • Master RoadAssist service
    • Travel assistance services
    • MasterCard® global service
  • MasterCard® Platinum Secured Disclosures

Do you have little or no credit history? Or, have you had some credit bumps along the way and want to rebuild your credit?  If so, try Scott Credit Union’s MasterCard® Platinum Secured Credit Card. This credit card will help you get back on track without breaking the bank.

Frequently asked questions about our MasterCard® Platinum Secured

How do I apply?

You can apply quickly and securely with our online application in as little as 10 to 20 minutes.  You can also apply in person by visiting any of Scott Credit Union’s 15 convenient locations, or over the phone by calling our Member Service Center at 618-345-1000.

Manage your account online.

With GoToMyCard, you get secure online access to your account so that you can review card activity, view billing statements, and make a payment!  Registering for a GoToMyCard account is quick, easy, and free.  Get started with GoToMyCard to register, or if you SCU Online set up, we offer a single sign on option that doesn’t require a separate account. Click here to visit GoToMyCard.com.

1Please review account agreement for benefit details and conditions.

2APR = Annual Percentage Rate. Promotional rate for the first six billing cycles, after the sixth billing cycle the rate changes to 15.90% APR depending on credit worthiness.

3MasterCard® Smart Shopper Benefit details can be found on their website: https://www.mastercard.us/en-us/consumers/features-benefits/card-benefits.html

Rates

Credit Card Rates

Credit Cards Annual Fee APR
Visa MasterCard Platinum Plus None as low as 0.00%
Visa Platinum Preferred None as low as 0.00%
MasterCard Platinum Plus None as low as 0.00%
MasterCard Platinum Secured None 15.90%

** Promotional rate for first six billing cycles, after the sixth billing cycle the rate changes to: Visa Platinum Plus as low as 10.90% APR to 17.90% APR, Visa Platinum Preferred as low as 8.90% APR to 15.90% APR, MasterCard Platinum Plus as low as 8.90% APR to 15.90% APR, MasterCard Platinum Secured as low as 15.90% APR.