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 17.24%

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UMD Affinity Visa®️ Card

APR† from 17.24%

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UMD Affinity Visa®️ Card

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* on purchases for the first 12 months and 0% Introductory APR** on balance transfers for 6 months from the date your account is opened.

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* on purchases for the first 12 months and 0% Introductory APR** on balance transfers for 6 months from the date your account is opened.
  • 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.

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

Credit Card Agreement and Account Opening Disclosures


Visa® Signature Card

An elite credit card experience.

APR† from 17.24%

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Visa® Signature Card

APR† from 17.24%

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Visa® Signature Card

Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 6 months on balance transfers requested within 90 days of account opening.

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
FEE

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 6 months on balance transfers requested within 90 days of account opening
  • 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.

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

Credit Card Agreement and Account Opening Disclosures


Cash Back Visa® Card

A more rewarding way to pay.

APR† from 17.24%

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Cash Back Visa® Card

APR† from 17.24%

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Cash Back Visa® Card

Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 6 months on balance transfers requested within 90 days of account opening.

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
FEE

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 6 months on balance transfers requested within 90 days of account opening
  • 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.

††2% Cash Back and Bonus Offer Information

Credit Card Agreement and Account Opening Disclosures


Rewards Visa® Card

Points with no limit and no expiration.

APR† from 16.74%

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Rewards Visa® Card

APR† from 16.74%

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Rewards Visa® Card

Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 6 months on balance transfers requested within 90 days of account opening.

Earn one reward point per purchase dollar, redeemable on more than 1,600 reward items

Points have no limit and never expire

NO
FEE

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 6 months on balance transfers requested within 90 days of account opening
  • 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®.

Credit Card Agreement and Account Opening Disclosures


FirstRate Visa® Card

Savings with our lowest rate card.

APR† from 14.74%

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FirstRate Visa® Card

APR† from 14.74%

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FirstRate Visa® Card

Enjoy 0% Introductory APR* for 12 months on purchases from date of account opening and 0% Introductory APR** for the first 6 months on balance transfers requested within 90 days of account opening.

Lowest rate of any SECU Visa credit card

Visa’s Zero Liability® protection and EMV chip security

NO
FEE

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 6 months on balance transfers requested within 90 days of account opening
  • 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.

Credit Card Agreement and Account Opening Disclosures


Starter Visa® Card

Build your credit foundation.

APR† from 19.74%

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Starter Visa® Card

APR† from 19.74%

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Starter 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
FEE

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.

Credit Card Agreement and Account Opening Disclosures


Secured Visa® Card

Build or rebuild your credit.

APR† from 17.74%

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Secured Visa® Card

APR† from 17.74%

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Secured Visa® Card

Earn one reward point per purchase dollar

NO
FEE

No annual fee, cash advance fee, or foreign transaction fee***

  • 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 free, or foreign transaction fee

Card Details

Enjoy the benefits of a SECU Visa®, 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 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


Student Visa® Card

Establish credit history while learning good credit habits.

APR† from 19.74%

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Student Visa® Card

APR† from 19.74%

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Student Visa® Card

Benefits designed specifically for students

Earn one reward point per purchase dollar

NO
FEE

No annual fee, cash advance fee, or foreign transaction fee***

  • Benefits designed specifically for students
  • 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.

Credit Card Agreement and Account Opening Disclosures



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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 14.74% 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.