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Credit Cards

SCU offers the worldwide acceptance and convenience of MasterCard and Visa with several card options, including Visa Platinum Preferred, Visa Platinum Plus, MasterCard Platinum Plus, and MasterCard Platinum Secured.

Our credit cards feature low interest rates, a 25-day grace period (on credit transactions), and the ability to manage your account online with GoToMyCard. You may also use your Scott Credit Union credit card to obtain instant cash advances at any ATM where you see the MasterCard and Visa logo. Our Balance Transfer Option lets you save immediately on higher charges and fees by transferring your non-Scott Credit Union credit card balances to a Scott Credit Union MasterCard or Visa.

Rates

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Visa Platinum Preferred Credit Card

With Scott Credit Union’s VISA Platinum Preferred Credit Card, you get a low rate and rewards points based on your purchases. Rewards points are redeemable for merchandise, travel, gift cards, charitable donations and cash back!  Click here for details.

Earn everyday points

Use your card for all of your everyday purchases. From fuel to groceries to utility bills, your everyday purchases will really pay off.   You will earn 1 point for every $1 in credit card signature transactions.

Plus, earn bonus points with our exclusive perks.  Click here to log in and click on “Perks” from the top menu bar to get started today.

In addition to the rewards program, you may be eligible for these VISA Platinum Preferred cardholder benefits*:

  • Low Intro Rates as low as 0.00% APR**
  • NO Annual Fee
  • Up to $20,000 Credit Limit
  • $1 Million Travel/Accident Insurance
  • Baggage Delay Insurance
  • Purchase Security and Extended Protection
  • Auto Rental 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

*Please review account agreement for benefit details and conditions. Visit https://ww2.scu.org/rate_creditcards.php for current rates. **Promotional rate for the first six billing cycles, after the sixth billing cycle the rate changes to as low as 10.90% APR depending on credit worthiness.

Visa Platinum Plus Credit Card

With the VISA Platinum Plus Credit Card, you may be eligible to receive these cardholder benefits*:

  • Low Intro Rates as low as 0.00% APR**
  • NO Annual Fee
  • Up to $20,000 Credit Limit
  • $1 Million Travel/Accident Insurance
  • Baggage Delay Insurance
  • Purchase Security and Extended Protection
  • Auto Rental 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

*Please review account agreement for benefit details and conditions. Visit https://ww2.scu.org/rate_creditcards.php for current rates. **Promotional rate for the first six billing cycles, after the sixth billing cycle the rate changes to as low as 8.90% APR depending on credit worthiness.

MasterCard Platinum Plus Credit Card

With the MasterCard Platinum Plus Credit Card, you may be eligible to receive these cardholder benefits*:

  • Low Intro Rates as low as 0.00% APR**
  • NO Annual Fee
  • Up to $20,000 Credit Limit
  • $1 Million Travel/Accident Insurance
  • MasterCard Smart Shopper Benefits, including:
    • Satisfaction Guarantee Coverage
    • Purchase Assurance
    • Extended Warranty
    • Master RoadAssist Service
    • Travel Assistant Services
    • MasterCard Global Service
  • Emergency Cardholder Services, including lost and stolen card reporting
  • 24/7 Customer Service

*Please review account agreement for benefit details and conditions. Visit https://ww2.scu.org/rate_creditcards.php for current rates. **Promotional rate for the first six billing cycles, after the sixth billing cycle the rate changes to as low as 8.90% APR depending on credit worthiness.

MasterCard Platinum Secured Credit Card

If you’re looking to build a credit history from scratch or if you need to rebuild an unfavorable one, try our MasterCard Platinum Secured.

  • Low Intro Rates as low as 13.90% APR**
  • NO Annual Fee
  • Up to $1,000 Credit Limit
  • $1 Million Travel/Accident Insurance
  • MasterCard Smart Shopper Benefits, including:
    • Satisfaction Guarantee Coverage
    • Purchase Assurance
    • Extended Warranty
    • Master RoadAssist Service
    • Travel Assistant Services
    • MasterCard Global Service
  • Emergency Cardholder Services, including lost and stolen card reporting
  • 24/7 Customer Service

*Please review account agreement for benefit details and conditions. Visit https://ww2.scu.org/rate_creditcards.php for current rates. **Promotional rate for the first six billing cycles, after the sixth billing cycle the rate changes to as low as 15.90% APR depending on credit worthiness.

  • Calculators
    Estimate mortgage payments, auto loan payments, and more using our free financial calculators.
  • SCU Marketplace
    Formerly the "Bulletin Board", view items for sale by Scott Credit Union members.
  • Invest in America
    Exclusive discounts for credit union members from GM, Sprint, and more!