Service Credit Union Visa® Everyday Credit Card

Q: Are there fees I should know about?

There’s no annual fee* or foreign transaction fee*. Other small service fees may apply (see disclosure section below).

Establish your credit with no annual fee^*, no surprises, and all the benefits of Visa®.

An Everyday Card That Works for You

If you’re just getting started with credit or want a card that keeps things simple, the Service Credit Union Visa® Everyday Credit Card was created with you in mind.

With no annual fee* or hidden APR hikes for late payments,* this card is designed to help you build or strengthen credit without the stress. You’ll enjoy flexible limits up to $20,000 and all the protections of Visa, allowing you to spend confidently at home or abroad.

Whether you’re a student, a first-time cardholder or someone rebuilding their score, this card gives you a foundation you can trust.

Click here to view the Visa credit card agreement.

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Rates That Stay Clear and Competitive

No teaser rates. No penalty spikes. Just fair, transparent pricing based on your credit.

Variable APR Range*

11.65-18.00

No Annual Fee*

Keep more money in your wallet. No membership or maintenance fees.

No Hidden APR Hikes*

Late on a payment? You won’t be penalized with a higher APR.

Travel and Emergency Assistance

Get connected to real support when you need it most with Visa's® Travel Assistance Services.

Fast Card Replacement*

Lost your card? Get a new one shipped in 1–3 business days with emergency card replacement.

Contactless Checkout

Tap to pay anywhere Visa is accepted. It’s safe, secure and touch-free.

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Visa® Everyday Credit Card FAQs

Does this card support contactless payments?

Yes! Your card is fully equipped for tap-to-pay technology, just look for the contactless symbol at checkout.

What if I lose my card?

We’ll work with Visa to issue you a new card, usually within 1–3 business days.

Are there fees I should know about?

There’s no annual fee^* or foreign transaction fee^*. Other small service fees may apply (see disclosure section below).

Does it have a rewards program?

No. This card focuses on simplicity and low fees. For rewards, check out our Visa® Signature Everyday Elite Credit Card.

What’s the APR range?

The variable APR is between 11.65% and 18.00%, based on creditworthiness^*.

Is this a good card for first-time users?

Yes. It’s designed for those building or establishing credit, with protections that keep things manageable.

^*Annual Percentage Rates (APR) range from 11.65% to 18.00%; accurate as of 01/07/2026 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.