| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases (Bonus Rate w/ Qualifying Direct Deposit)
Total rate (1.5% base + 0.5% bonus) on qualifying net purchases when the primary cardholder has monthly direct deposits totaling $500+ into a qualifying SECU deposit account in at least 2 of the preceding 3 calendar months; new cardholders automatically qualify for the bonus rate for their first 3 months regardless of direct deposit activity.
|
2x | Cash Back | No cap |
|
All Other Purchases (Base Rate)
Base Cash Rewards rate on all qualifying net purchases; excludes cash advances, balance transfers, gift cards, money orders, cryptocurrency, wire transfers, and gambling/lottery purchases.
|
1.5x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Introductory Balance Transfer APR
New cardholders receive 0% introductory APR for the first 12 months on balances transferred within the first 90 days of account opening; a balance transfer fee of 3% of each transfer (or $5, whichever is greater) applies.
|
Financial | 0% for 12 months |
|
No Annual Fee
The Cash Rewards Visa Credit Card carries no annual fee.
|
Financial |
Fee waived
Up to $0
|
|
Simple Balance Transfers
Cardholders can transfer higher-interest credit card balances from other issuers to their SECU Visa credit card to save on interest.
|
Financial | — |
|
Digital Wallet Compatibility
Card can be added to a digital wallet (e.g., Apple Pay, Google Pay) for simplified and secured shopping.
|
Lifestyle | Complimentary |
|
Tap-to-Pay (Contactless Payment)
Card supports contactless tap-to-pay technology for fast, secure checkout.
|
Lifestyle | Complimentary |
|
Automatic Rewards Redemption
Cardholders can enroll in automatic monthly redemption of their Cash Rewards balance as cash back to an SECU account or as a statement credit, once the balance meets the $25 minimum.
|
Other | Complimentary |
|
Merchant Gift Card Redemption
Cash Rewards can be redeemed for merchant gift cards from participating restaurants and retailers, available in physical (delivered within ~10 business days) or digital (within 24 hours) form.
|
Other | — |
|
Introductory Bonus Cash Rewards
New cardholders automatically qualify for the 0.5% bonus rate (2% total Cash Rewards) for the first three months, regardless of direct deposit activity.
|
Rewards | 2% total for first 3 months |
|
Card Lock
Cardholders can lock their credit card in real time via Member Access online banking or the SECU mobile app to prevent unwanted transactions.
|
Security | Complimentary |
|
Visa Zero Liability Policy
Cardholders are not responsible for fraudulent or unauthorized transactions on the card, provided any unauthorized use is reported promptly.
|
Security | Complimentary |
|
Visa RewardCard Redemption
Cash Rewards can be redeemed for a Visa RewardCard (physical or virtual), usable anywhere Visa debit cards are accepted in the U.S.; not reloadable and cannot be used for ATM cash withdrawals.
|
Shopping | — |
|
Roadside Dispatch®
24/7 pay-per-use roadside assistance available by calling a dedicated number; the cardholder pays per use rather than through a membership fee.
|
Travel | Pay-per-use |
