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Level Up Your Saving

by spending with SECU’s Cash Back Visa® Credit Card

0% APR* on Purchases

0% APR** on Balance Transfers

100% Rewarding

A More Rewarding Way to Pay

Gas and groceries adds up fast, but those aren’t the only expenses in your daily life. Why not use the card that rewards you for everything you need? With 0% APR* on purchases for 12 months and 0% APR** on balance transfers for 6 months, SECU’s Cash Back Visa® Credit Card is the simple, convenient way to save you money while earning unlimited cash rewards.

  • Get 2% cash back on gas and groceries††
  • Get 1% cash back on all other purchases
  • No annual fee, no cash advance fee, or foreign transaction fees***
  • Get 5% cash back up to $250 when you spend $5,000 in the first 90 days of account opening††
  • Never be responsible for unauthorized charges with Visa’s Zero Liability®

Cash Back Visa® Credit Card is only available to SECU members. Apply now and start earning cash back.

The card that helps you save while you spend?

Yes, please.


Not a SECU member?

No Problem

We have all the same products and services as a bank, but our members get so much more. As a resident, joining Maryland’s largest credit union (that’s us) is simple. Just start the credit card application process, and we’ll guide you from there!

*0% Introductory APR on purchases for the first 12 months when you open your account. After that, your APR will be 17.74% to 24.00%, based on your 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. Total value of transfers cannot exceed your credit limit. SECU sends either full or partial payment to your creditors in the order you list them. Allow at least two weeks from submitting the balance transfer request for processing. Continue paying each creditor or until the transfer appears as a credit. SECU may change the rate at any time, but in no event will the rate exceed 3% without prior notice to you. APR = Annual Percentage Rate

††Earn 2% cash back per net purchase dollar (qualifying purchases less credits, returns, and adjustments) charged to the card each billing cycle at merchant locations that are classified in the following merchant categories and merchant category codes (MCC): 5541-Service Stations; 5542-Automated Fuel Dispensers; 5411-Grocery Stores; and 5499-Misc. Food Stores. SECU does not determine which MCC a merchant chooses to classify itself. Merchants are generally classified based upon their primary line of business. Purchases made at a merchant that does not process transactions under these codes will not qualify and you will not receive the 2% cash back. Promotion terms are subject to change without prior notice.

***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.

Eligible new accounts, will receive a one-time bonus offer of 5% cash back per net purchase dollar in qualifying purchases completed within the first 90 days of account opening (less credits, returns, and adjustments), up to a maximum of $250. Accounts must be open and in good standing to qualify. The bonus can be redeemed for cash back via a statement credit. Allow 4 weeks from qualifying for the bonus to post to your rewards account. Cannot be combined with any other offer.