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Platinum MasterCard & VISA Platinum
8.49% to 17.79% Annual Percentage Rate for purchases*
Wherever you want to go, or whatever you like to do, a VISA® or MasterCard® from SFCU can help make it happen for you. APPLY FOR YOURS TODAY!!
You can also visit GoToMyCard.com to check your Smart Financial Credit Card balances, make inquiries, and much more!
To report your card lost or stolen, please call 800-442-4757.
Why a Smart Financial credit card?
Here are a few reasons:
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Smart Financial is a LOCAL financial institution benefiting its’ members vs. a nationwide company benefiting stockholders
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NO cash advance fee vs. 3% or 4% with a minimum charge
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NO balance transfer fee vs. 3% or 4% with a minimum charge (not all charge but some do)
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10 day grace period after the due date before a late charge is charged vs. 0 grace days, you pay one day late you pay a late charge
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5% of the minimum payment as a Late Charge (10 days late) vs. $29 or $35 (1 day late)
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Interest is calculated on ADB (Average Daily Balance) during the cycle only vs. ADB for 2 cycles (not all but many cards are now 2 cycles)
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Virtual Branch access with the member’s other SFCU accounts vs. Internet access for that account only
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Interest rates ranging from 8.49% to 17.79% APR* vs. interest rates that can be above 30.00% APR
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A review every 2 years to adjust interest rates based on the member’s credit at the time of the review vs. continuous monitoring of credit where a high delinquency rate can be imposed if just one payment is late on a different creditor
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No annual fee vs. annual fees of approx. $25
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No application processing fees vs. application processing fees of $50 and up (normally for high risk customers)
*All rates are dependent on credit worthiness. Your rate will be determined once your application has been processed and approved. Rates are subject to change in the future.
 
Credit Card Application
Credit Card Rates & Fee Schedule
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