Rewards, Cash Back & Credit Builder credit cards, all with low rates and no annual fee

Rewards

Visa® Signature Card

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APR* from 13.74%

An elite credit card experience.

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, balance transfer fee, or cash advance 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**
No annual fee or international transaction fees

Card Details

APR* from 13.49%

Experience the rewards of life with an exclusive Visa Signature credit card from SECU.

Redeem points for merchandise, gift cards and travel at ScoreCardRewards.com

See all SECU Visa Signature Card Benefits and Features.

**3X Points, 2X Points, and Bonus Points Offer Information

Credit Card Agreement and Account Opening Disclosures

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Cash Back

Cash Back Visa® Card

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APR* from 13.74%

A more rewarding way to pay.

Earn 2% cash back on gas and groceries**; 1% cash back on all other purchases.

Complimentary Visa Cardholder Inquiry Service

No annual fee, balance transfer fee, or cash advance fee

Card Highlights

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
No annual fee, balance transfer fee, or cash advance fee

Card Details

APR* from 13.49%

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 or deposit to your Savings or Checking account at ScoreCardRewards.com

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.

**2% Cash Back Offer Information

Credit Card Agreement and Account Opening Disclosures

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Rewards

Rewards Visa® Card

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APR* from 13.24%

Points with no limit and no expiration.

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, balance transfer fee, or cash advance 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
No annual fee, balance transfer fee, or cash advance fee

Card Details

APR* from 12.99%

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®. Redeem your points at ScoreCardRewards.com

Credit Card Agreement and Account Opening Disclosures

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Low Rate

FirstRate Visa® Card

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APR* from 11.24%

Our lowest rate card.

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Lowest rate of any SECU Visa credit card

No cash advance or foreign transaction fee

No annual fee, balance transfer fee or cash advance fee

Card Highlights

No annual fee
No balance transfer fee
No cash advance or foreign transaction fee
Lowest rate of any SECU Visa® credit cards
EMV chip security

Card Details

APR* from 10.99%

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.

Credit Card Agreement and Account Opening Disclosures

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Build Credit

Aspire Visa® Card

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APR* from 16.24%

Build your credit foundation.

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, balance transfer fee, or cash advance 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 or foreign transaction fee

Card Details

APR* from 15.99%

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 Aspire 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 Aspire Visa card is a solid choice.

A SECU Aspire 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.

Credit Card Agreement and Account Opening Disclosures

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Build Credit

Aspire Secured Visa® Card

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APR* from 13.24%

Build or rebuild your credit.

Earn one reward point per purchase dollar

No annual fee, balance transfer fee, or cash advance 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 or foreign transaction fee

Card Details

APR* from 12.99%

Enjoy the benefits of a SECU Visa® with ScoreCard Rewards®, with funds secured in a special savings account established by you, once you've been approved for credit.

Build or rebuild your credit with the convenience, security and worldwide acceptance of Visa.

Used responsibly, the SECU Aspire Secured Visa card will help ensure your future financial health while you enjoy the benefits and flexibility of using a Visa card.

Credit Card Agreement and Account Opening Disclosures

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Students

Aspire Student Visa® Card

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APR* from 16.24%

Establish credit history while learning good credit habits.

Benefits designed specifically for students

Earn one reward point per purchase dollar

No annual fee, balance transfer fee, or cash advance 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 or foreign transaction fee

Card Details

APR* from 15.99%

All the benefits of a globally-accepted card, and the flexibility to purchase things you need and want, responsibly: the SECU Aspire Student Visa.

Credit Card Agreement and Account Opening Disclosures

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Towson University

Towson University Visa® Signature Card

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APR* from 13.74%

Show your school pride. Exclusively for Towson University alumni and staff.

Earn 3x points on dining, travel, Amazon and iTunes**; 2x points on gas and groceries**; & 1x on al other purchases

No annual fee, balance transfer fee, or cash advance fee

Card Highlights

Earn 25,000 bonus points or $250 cash back!**
3x points on dining, travel, Amazon, and iTunes**
2x points on gas and groceries**
1x points on everything else
No annual fee and no international transaction fees

Card Details

APR* from 13.49%

Giving back to Towson Alumni

SECU gives back to the Towson University Foundation every time you swipe your co-branded credit card. Whether it is at your favorite restaurant, catching a movie, on vaction, or simply pumping gas, SECU donates a portion of all transaction dollars back to Towson. These donations go to support scholarships and education resources for the next generation of TU Tigers.

Redeem points for merchandise, gift cards and travel at ScoreCardRewards.com

See all SECU Visa Signature Card Benefits and Features.

**3X Points, 2X Points, and Bonus Points Offer Information

Credit Card Agreement and Account Opening Disclosures

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*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.