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Visa® Secured Credit Card

Build your credit securely with a card that’s got your back

Spend without stress with the Visa® Secured credit card from San Mateo Credit Union. You’ll build your credit safely knowing your savings will cover the balance if needed. It's the perfect card for daily living or in case of emergency, giving you access to funds you need, anytime. Just keep 110% of your credit limit in your account and you can use the Visa® Secured Credit Card when and where you choose.

With no annual fee, the Visa® Secured Credit Card from SMCU is a smart solution for safer spending:

  • Credit limits from $100 to $20,000
  • Limited time: Low-rate NO FEE balance transfer offer of 1.99%APR* for 12 months1
  • Rates from 9.99% to 17.99% APR*
  • Overdraft protection when you connect your credit card to your SMCU checking account

Whether you’re just starting out or rebuilding your credit, the Visa® Secured Credit Card from SMCU is a responsible investment in your financial future.

*APR = Annual Percentage Rate. Rate effective January 3, 2022.
1Promotional APR will be applied to all balance transfers made during the promotional period of January 3, 2022 to February 28, 2022. Cash advances are excluded from this offer. All loans and credit cards are offered on approved credit and are subject to qualification including offers to perform a balance transfer. Cards carry a variable rate that can change monthly. Introductory offers carry conditions and can change without notice. If applicable, the promotional APR or introductory CURewards point offer will be applied to all purchase transactions posted within the first 90 days of the new line of credit. Promotional balance transfer APR is good for 365 days (12 months) from the date of the last balance transfer made during the promotional period. Thereafter, the rate for balance transfers will revert to the APR as disclosed in your Card Agreement. The balance transfer/cash advance fee of 3.0% of the transfer amount with a minimum of $4 and a maximum of $300 will be waived during the promotional period which ends February 28, 2022. Must be a member in good standing. Please ask an SMCU representative for complete card details or refer to your Card Agreement for complete card terms and conditions. Membership eligibility requirements apply.
**Introductory offer of 5,000 CURewards points when making $3,000 in purchases within the first 90 is available only on a new Visa® Platinum Rewards Credit Card line of credit and not available on any other offer.

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