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Personal Credit Cards

Spend every day your way with a credit card that fits your life

Starting school in the Bay Area? Updating your home in Redwood City? Launching a business in San Mateo? SMCU has a Visa® credit card that works for you, with affordable rates, smart security and safety features, custom card designs, and available rewards for everyday spending.


Visa® Signature Credit Card

Turn everyday purchases into extraordinary experiences.
  • No annual or foreign transaction fees
  • Credit limits from $5,000 to $35,000
  • Variable rates from 11.99% to 13.99% APR*
  • Earn double rewards points for gas and travel purchases and one point for every dollar spent on everything else
  • Redeem points for merchandise, travel deals, and SMCU perks, or you can choose cash back
  • Overdraft protection
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Visa® Platinum Rewards Credit Card

Earn perks every day by living your way.
  • Credit limits from $500 to $25,000
  • Low introductory rate
  • Earn rewards points on every purchase and redeem for merchandise, travel deals, and SMCU perks
  • Overdraft protection
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Visa® Platinum Credit Card

Reach for the stars with rates that are lower than our other cards.
  • No annual fee
  • Credit limits from $500 to $25,000
  • Low introductory rate
  • Overdraft protection
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Student Visa® Credit Card

Build your credit while earning your credits.
  • No annual fee
  • Credit limits from $100 to $2,000
  • Low introductory rate
  • Overdraft protection from your SMCU Business Checking Account
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Visa® Secured Credit Card

Safely build your credit with a card that’s got your back.
  • No annual fee
  • Credit limits from $100 to $25,000
  • Requires a savings balance as collateral
  • Competitive interest rates
  • Overdraft protection
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Get rewarded for every day well spent.
  • Earn rewards with your SMCU Visa® Signature, Platinum Rewards, or Business Rewards credit card
  • Register your SMCU card online
  • Redeem for a wide range of merchandise, travel, and community options, even discounts and freebies at SMCU!
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Design Your Card
Picture a credit card designed for you, by you.
  • Easily create a custom card from a favorite photo
  • Design your card online
  • Just $8.95 per card
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Home Equity Loan
Build your budget around a predictable loan to pay for major expenses.