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Visa Signature Everyday EliteRemove

Service Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Great creditmedian 17.83%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Good creditmedian 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Poor creditmedian 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
All applicants17.65%–18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
APR for balance transfersNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
APR for cash advances
Great creditmedian 17.65%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Good creditmedian 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Poor creditmedian 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
All applicants17.65%–18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases25 days from the close of each billing cycle—
Minimum interest charge$15—
How we calculate your balanceAverage daily balance including new purchases—
Annual feeUse your points for travel, cash back, merchandise and more through uChoose Rewards®. With no annual fee** and no hidden APR spikes,** this card combines simplicity and elite-level value.SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance—
Balance transfer—
Foreign transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Penalty fees
First late fee$20, $20 or the amount of the past due payment amount, whichever is less, if you are 15 or more days late in making a payment.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Repeat late fee within six billing cycles$20Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Returned payment$20, Annual Percentage Rates (APR) range from 11.90% to 18.00%; accurate as of 10/07/2026 and subject to change without notice. APR is variable and based on your creditworthiness. Cash advance fee and balance transfer fee is 1.00% of the amount of each transaction. Returned payment fee is $20, or the amount of the required minimum payment, whichever is less. Standard card replacement fee is $9. If expedited, card replacement fee is $75 in the U.S. and up to $150 overseas. There is a document copy fee of $15. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Other fees
Documentation$15, Annual Percentage Rates (APR) range from 11.90% to 18.00%; accurate as of 10/07/2026 and subject to change without notice. APR is variable and based on your creditworthiness. Cash advance fee and balance transfer fee is 1.00% of the amount of each transaction. Returned payment fee is $20, or the amount of the required minimum payment, whichever is less. Standard card replacement fee is $9. If expedited, card replacement fee is $75 in the U.S. and up to $150 overseas. There is a document copy fee of $15. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
returned payment fee$20, When a payment is returnedConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
card replacement fee$9, to replace a cardConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
document copy fee$15, to provide duplicate documentsConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
statement copy fee$2, to proved duplicate statement copiesConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Replacement card$9, Annual Percentage Rates (APR) range from 11.90% to 18.00%; accurate as of 10/07/2026 and subject to change without notice. APR is variable and based on your creditworthiness. Cash advance fee and balance transfer fee is 1.00% of the amount of each transaction. Returned payment fee is $20, or the amount of the required minimum payment, whichever is less. Standard card replacement fee is $9. If expedited, card replacement fee is $75 in the U.S. and up to $150 overseas. There is a document copy fee of $15. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Opening conditionsAnnual Percentage Rates (APR) range from 11.90% to 18.00%; accurate as of 10/07/2026 and subject to change without notice. APR is variable and based on your creditworthiness. Cash advance fee and balance transfer fee is 1.00% of the amount of each transaction. Returned payment fee is $20, or the amount of the required minimum payment, whichever is less. Standard card replacement fee is $9. If expedited, card replacement fee is $75 in the U.S. and up to $150 overseas. There is a document copy fee of $15. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Signup bonuspoints award15,000 points. Spend $1,500 on eligible purchases. Qualify within 60 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. Must be a member of SCU or eligible for membership with at least $5 in a Primary Savings account and a new Visa® Signature Everyday Elite Credit Card holder. To receive the 15,000 rewards points, you must make $1,500 or more in purchases within the first 60 days of account opening. The rewards points will be added to your uChoose Rewards points balance within 30 days after you reach the required purchase dollar amount. You must register for uChoose Rewards to redeem and use the points. Promotion subject to change or be canceled at any time without notice.SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
RewardsNot disclosed1.5 points per $1. See source conditions for eligible purchases.SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Rewards conditionsRewardsPoint posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Looking for a card that turns everyday spending into serious rewards? The Service Credit Union Visa® Signature Everyday Elite Credit Card delivers 1.5 points per $1 spent.* Plus get 15,000 bonus points when you spend $1,500 in your first 60 days.*SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website