Visa Credit Cards
See All of Our Visa Credit Card Options Below
UMD Affinity Visa®️ Card
The Official Credit Card of the Maryland Terrapins.
APR† from 16.74%
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APR† from 16.74%
Apply
Earn 3x points on gas, groceries, and your streaming services‡; 2x points on dining and travel‡; 1x points on all other purchases.
Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 12 months on balance transfers requested within 90 days of account opening. This offer includes a fee of 3% on all balance transfers.
No annual fee, cash advance fee, or foreign transaction fee.***
Get rewards and discounts from local businesses.
- Earn 3x points on gas, groceries, and your streaming services‡; 2x points on dining and travel‡; 1x points on all other purchases.
- Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 12 months on balance transfers requested within 90 days of account opening. This offer includes a fee of 3% on all balance transfers.
- No annual fee, cash advance fee, or foreign transaction fee.***
- Get rewards and discounts from local businesses.
Card Highlights
- Everyday purchases earn points across a variety of spending categories
- Earn 25,000 Bonus Points‡ when you spend $2,000 within the first 90 days
- Visa’s Zero Liability® protection and EMV chip security
- Ticket protection so you can book with confidence
- Porch piracy protection
- Lost luggage reimbursement
- Price protection to avoid overpaying
Card Details
Introducing the new card that helps you score more.
SECU teamed up with the Terps to design the only credit card you’ll want to carry. Beyond earning points on everyday purchases, the card comes loaded with other exclusive perks and convenient benefits. Plus, Terps fans can show their Maryland pride by choosing their favorite card art.
Fan Favorites
Enjoy 20% off Terps gifts and gear at the online Terrapin Fan Shop as well as 10% off in stadium concessions and merchandise at SECU Stadium and Xfinity Center during Maryland Athletic events.
Pay with Your Terps Card, Get Local Rewards
Enjoy discounts, prizes, and other rewards when you use your credit card at a growing list of area businesses.
Rewards and perks may change without notice based on partner participation.
See all Terps Visa Card Benefits and Features.
Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 12 months on balance transfers requested within 90 days of account opening. This offer includes a fee of 3% on all balance transfers.
Earn 3x points on dining, travel, Amazon and iTunes††; 2x points on gas and groceries††; and 1x on all other purchases.
Visa’s Zero Liability® protection and EMV chip security
No annual fee, cash advance fee, or foreign transaction fee***
- Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 12 months on balance transfers requested within 90 days of account opening. This offer includes a fee of 3% on all balance transfers.
- Earn 3x points on dining, travel, Amazon and iTunes; 2x points on gas and groceries††; and 1x on all other purchases
- Visa’s Zero Liability® protection and EMV chip security
- No annual fee, cash advance fee, or foreign transaction fee***
Card Highlights
- 3x points on dining, travel, Amazon, and iTunes††
- 2x points on gas and groceries††
- 1x points on everything else
- Visa’s Zero Liability® protection and EMV chip security
- Earn 25,000 bonus points††
Card Details
Experience the rewards of life with an exclusive Visa Signature credit card from SECU.
Redeem points for merchandise, gift cards and travel.
See all SECU Visa Signature Card Benefits and Features.
Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 12 months on balance transfers requested within 90 days of account opening. This offer includes a fee of 3% on all balance transfers.
Earn 2% cash back on gas and groceries††; 1% cash back on all other purchases.
Visa’s Zero Liability® protection and EMV chip security
No annual fee, cash advance fee, or foreign transaction fee***
- Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 12 months on balance transfers requested within 90 days of account opening. This offer includes a fee of 3% on all balance transfers.
- Earn 2% cash back on gas and groceries††; 1% cash back on all other purchases
- Visa’s Zero Liability® protection and EMV chip security
- No annual fee, cash advance fee, or foreign transaction fee***
Card Highlights
- Enjoy 5% cash back bonus on purchases in the first 90 days of account opening, up to $250††
- 2% cash back on gas and groceries††
- 1% cash back on all other purchases
- Unlimited cash back earnings with no expiration
- Minimum level to redeem is only $25
- EMV chip security
Card Details
Welcome to a more rewarding way to pay.
Use your SECU Cash Back Visa® credit card for all of your purchases, big and small, and earn 1% cash back on what you spent. Even better, you’ll earn 2% cash back on gas and groceries.††
Redeem cash back for a statement credit.
Plus, the SECU Cash Back Visa card comes with complimentary Visa Cardholder Inquiry Service: get quick and accurate account, card benefit, product and service information 24 hours a day, seven days a week.
Use the SECU Cash Back Visa for a simple, convenient, and rewarding experience.
Rewards Visa® Card
Points with no limit and no expiration.
APR† from 16.24%
Apply
APR† from 16.24%
Apply
Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 12 months on balance transfers requested within 90 days of account opening. This offer includes a fee of 3% on all balance transfers.
Earn one reward point per purchase dollar, redeemable on more than 1,600 reward items
Points have no limit and never expire
No annual fee, cash advance fee, or foreign transaction fee***
- Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 12 months on balance transfers requested within 90 days of account opening. This offer includes a fee of 3% on all balance transfers.
- Earn one reward point per purchase dollar, redeemable on more than 1,600 reward items
- Points have no limit and never expire
- No annual fee, cash advance fee, or foreign transaction fee***
Card Highlights
- One (1) reward point per purchase dollar
- More than 1,600 rewards items to choose from
- Points have no limit and never expire
- EMV chip security
Card Details
SECU Rewards card holders also have access to Visa’s complimentary Cardholder Inquiry Service: get quick and accurate account, card benefit, product and service information 24 hours a day, seven days a week.
Reward yourself with the SECU Rewards Visa card and choose from items in categories such as electronics, recreation and fashion, featuring quality brands including Apple®, Schwinn®, Marc Jacobs, Ray-Ban®, DeLonghi, Fitbit®, Bose®, Keurig® and Kate Spade®.
FirstRate Visa® Card
Savings with our lowest rate card.
APR† from 14.24%
Apply
APR† from 14.24%
Apply
Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 12 months on balance transfers requested within 90 days of account opening. This offer includes a fee of 3% on all balance transfers.
Lowest rate of any SECU Visa credit card
Visa’s Zero Liability® protection and EMV chip security
No annual fee, cash advance fee, or foreign transaction fee***
- Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 12 months on balance transfers requested within 90 days of account opening. This offer includes a fee of 3% on all balance transfers.
- Lowest rate of any SECU Visa credit card
- Visa’s Zero Liability® protection and EMV chip security
- No annual fee, cash advance fee, or foreign transaction fee***
Card Highlights
- Lowest rate of any SECU Visa® credit cards
- EMV chip security
Card Details
Lower rates = paying less, saving more!
Enjoy the benefits of being a Visa® credit cardholder—including spending flexibility, fraud protection and superior customer service—with one of the lowest interest rates available today plus no annual fee.
Consider this: a lower interest rate gives you the benefit of lower finance charges, and the opportunity to pay off your balance faster. Your minimum payment may even be lower! And don’t forget, there’s no annual fee. That all adds up more money you won’t spend on rates and charges, giving you more options to spend—or save—your money how you want.
SECU FirstRate Visa cardholders also have access to Visa’s complimentary Cardholder Inquiry Service: get quick and accurate account, card benefit, product and service information 24 hours a day, seven days a week.
Get a lower interest rate and greater control with the SECU FirstRate Visa card.
Build a solid credit history whether you’re beginning your career, starting a family or re-establishing your credit
Earn one reward point per purchase dollar
No annual fee, cash advance fee, or foreign transaction fee***
- Build a solid credit history whether you’re beginning your career, starting a family or re-establishing your credit
- Earn one reward point per purchase dollar
- No annual fee, cash advance fee, or foreign transaction fee***
Card Highlights
- One (1) reward point per purchase dollar
- Points have no limit and never expire
- EMV chip security
- No annual fee, balance transfer fee, cash advance fee, or foreign transaction fee
Card Details
Build a solid credit history with the convenience, security and worldwide acceptance of a SECU Visa® credit card, plus earn points towards redeeming merchandise with every purchase.
Having a SECU Starter Visa card and using it responsibly now is the key to a healthy financial future. Whether you’re just beginning your career, starting a family, or re-establishing your credit, the SECU Starter Visa card is a solid choice.
A SECU Starter Visa card gives you the flexibility to make purchases, pay bills, and get cash worldwide, all while you are building a positive credit history that can help you down the road.
Bonus: you get one point per purchase dollar! That means every time you use your card, you rack up points to redeem later.
Earn one reward point per purchase dollar
No annual fee, cash advance fee, or foreign transaction fee***
Build or rebuild your credit by funding a special savings account opened by you, once you’ve been approved for the card
- Earn one reward point per purchase dollar
- No annual fee, cash advance fee, or foreign transaction fee***
- Build or rebuild your credit by funding a special savings account opened by you, once you’ve been approved for the card
Card Highlights
- One (1) reward point per purchase dollar
- Points have no limit and never expire
- EMV chip security
- No annual fee, balance transfer fee, cash advance free, or foreign transaction fee
Card Details
Build or rebuild your credit with the convenience, security and worldwide acceptance of Visa.
Used responsibly, the SECU Secured Visa card will help ensure your future financial health while you enjoy the benefits and flexibility of using a Visa card.
Start building a credit history
Earn one reward point per purchase dollar
No annual fee, cash advance fee, or foreign transaction fee***
- Start building a credit history
- Earn one reward point per purchase dollar
- No annual fee, cash advance fee, or foreign transaction fee***
Card Highlights
- One (1) reward point per purchase dollar
- Points have no limit and never expire
- EMV chip security
- No annual fee, balance transfer fee, cash advance fee, or foreign transaction fee
Card Details
All the benefits of a globally-accepted card, and the flexibility to purchase things you need and want, responsibly: the SECU Student Visa.
Click here to view more budget calculators.
Have questions? We have answers.
We offer cards for every wallet, whether you are already established or are just getting started. Visit our Credit Card page or schedule a virtual appointment or an appointment in person to learn which card is best for you.
Complete our Online Application to apply for a credit card.
SECU offers several convenient methods by which you can make your credit card payments:
- Via SECU’s online or mobile banking app. If you do not have an online account with SECU yet, you can easily sign up for one to manage your credit card account online. Anyone who is on your account, even a joint holder, can do this.
- Call the phone number on the back of your credit card (800-344-6501) to make a payment over the phone.
- Mail in your payment to:
SECU Visa
P.O. Box 2711
Omaha, NE 68103-2711 - Visit any SECU Financial Center to make a payment.
†APR = Annual Percentage Rate. Rates are based on your creditworthiness when you open your account. After that, your APR will vary with the market, based on the Prime Rate.
Visa’s Zero Liability Policy covers U.S.-issued credit cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. Members must notify SECU immediately of any unauthorized use. Visit visa.com/security for more details.
SECU is not responsible for the content or availability of linked sites. Please be advised that SECU does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked sites may differ from those practiced by SECU. Please consult the privacy disclosures on this site for further information. Complaints or concerns about this site should be directed to community.outreach@secumd.com.
*0% APR on purchases: 0% Introductory APR on purchases for the first 12 months when you open your account. After that, your APR will be 14.24% to 24.00%, based on your card product, creditworthiness, and will subsequently vary with the market based on the Prime Rate. Maximum APR for a variable rate that may be imposed is 24%. Offer of credit is subject to approval. Membership required.
**0% APR on Balance Transfers with a 3% balance transfer fee: Balance transfer offer expires 90 days after account opening. Promotion of 0% APR is only available for balances transferred from non-SECU accounts.
***There is a 0% fee for the transferred balances made at your standard balance transfer APR. There is up to a 3% fee for the amount of each transferred balance that posts to your account when we offer an introductory/promotional balance transfer APR that is lower than your standard balance transfer APR.
