Credit Cards


SPC Rewards Card

 

Your Lifestyle. Your Rewards.  The SPC Rewards Card with uChoose™ lets you choose your benefit.  Earn 1 point for every $1 spent and choose from millions of options like merchandise, travel and activities, event tickets, merchant gift cards, cash back payment credit and more.  This premium card offers credit lines starting at $1,500**, as well as these great features: 

·         4.9% APR* Introductory Rate

·         No Annual Fee

·         Balance Transfer Options

·         No Cash Advance Fee

·         25 Day Grace Period on Purchases

·         Online Access with SPC NetBranch™

·         Automatic Payment Option

 

No Cost Travel Insurance

Provides cardholders and their families with automatic common-carrier accidental death and dismemberment coverage up to $1,000,000 every time they use their SPC Rewards VISA® to purchase travel tickets.

 

Cash Advance

Cash advances are available at SPC, other participating financial institutions, hotels and ATMs displaying the VISA® logo.

 

Convenience Checks

Checks may be used as personal checks at places that do not accept VISA® or to pay off other higher interest rate credit cards.

 

Travel Emergency and Assistance Services

Provides a high-quality service for cardholders, spouses and children under the age of 22 traveling with them. TEAS provides travel planning assistance, medical referrals, emergency ticket replacement services, lost luggage locator service and more.***

 

*Annual Percentage Rate. Introductory rate of 4.9% for 12 months applies to new SPC Rewards Cards only.  After introductory period, APR is 9% + Prime, with a minimum of 9% and a maximum of 18%.  The rate is variable and may change depending on market factors.  **Eligibility and credit limit is determined by the creditworthiness of the individual member. Balance transfers and cash advances are not eligible for reward points. 

***TEAS is provided on a best-efforts basis, and may not be available due to time, distance and location.  Via, its VISA® third-party service provider and their contractors are not responsible for the availability, cost, use or results of any medical, legal, or transportation service. TEAS provides assistance and referrals only; cardholders are responsible for the cost of any actual medical, legal, cash advance or other service used.

 

Lost or Stolen Credit Cards

 

 

With SPC CardValet, you can take control of your debit and credit cards, determining where and how your cards are used. Through controls, alerts and the ability to turn your card(s) on/off, you can respond quickly and effectively to potential fraud. Click Here for more information about CardValet.

 To report a lost or stolen SPC VISA® CREDIT card, call 1-866-539-9071.

 

VISA® Platinum Credit Card

 

A VISA® Platinum Credit Card from SPC Credit Union is the one card that delivers enough purchasing power to meet life's demands - and even reach a little further. This premium card offers higher credit limits beginning at $5,000, as well as these great features: 

  • 9.9% APR*

  • No Annual Fee

  • Balance Transfer Option

  • No Cash Advance Fee

  • 25 Day Grace Period on Purchases

  • Online Access with SPC NetBranch™

  • Automatic Payment Option

No Cost Travel Insurance

Provides cardholders and their families with automatic common-carrier accidental death and dismemberment coverage up to $1,000,000 every time they use their VISA® Platinum to purchase travel tickets.

Cash Advance

Cash advances are available at SPC, other participating financial institutions, and hotels and ATMs displaying the VISA® logo.

Convenience Checks

Checks may be used as personal checks at places that do not accept VISA® or to pay off other higher interest rate credit cards.

Additional Platinum Privileges:

Credit Lines up to $25,000**

Auto Rental Insurance

VISA® Platinum provides 24-hour coverage for damage due to collision or theft up to the actual cash value of most rental cars.

Warranty Manager

Offers cardholders a number of highly beneficial features for many retail purchases, including Warranty Registration and automatic Extended Warranty when using the SPC Platinum Card to make the purchase.

 

Travel Emergency and Assistance Services

Provides a high-quality service for cardholders, spouses and children under the age of 22 traveling with them. TEAS provides travel planning assistance, medical referrals, emergency ticket replacement services, lost luggage locator service and more.***


*Annual Percentage Rate. Rate is subject to change depending on market factors. **Eligibility and credit limit is determined by the creditworthiness of the individual member.

***TEAS is provided on a best-efforts basis, and may not be available due to time, distance and location.  Via, its VISA® third-party service provider and their contractors are not responsible for the availability, cost, use or results of any medical, legal, or transportation service. TEAS provides assistance and referrals only; cardholders are responsible for the cost of any actual medical, legal, cash advance or other service used.

 

VISA® Classic Credit Card

 

A VISA® Classic Credit Card from SPC Credit Union is one of the most attractive financial tools around. It allows you the convenience you desire and the terms you deserve. This card offers flexible credit limits starting at $500 to meet any member's needs. A VISA® Classic Card offers these great features:

  • 11.9% APR*

  • No Annual Fee

  • Balance Transfer Option

  • No Cash Advance Fee

  • 25 Day Grace Period on Purchases

  • Online Access with SPC NetBranch™

  • Automatic Payment Option

No Cost Travel Insurance

Provides cardholders and their families with automatic common-carrier accidental death and dismemberment coverage up to $1,000,000 every time they use their VISA® Classic to purchase travel tickets.

Cash Advance

Cash advances are available at SPC, other participating financial institutions, and hotels and ATMs displaying the VISA® logo.

Convenience Checks

Checks may be used as personal checks at places that do not accept VISA® or to pay off other higher interest rate credit cards.


*Annual Percentage Rate. Rate is subject to change depending on market factors. It is important to note that the SPC VISA® Classic Card rate of 11.9% has not changed since the card was introduced in 1993.

 

VISA® Purchase Alerts

 

 

You can enroll your SPC Credit Union VISA® debit or credit card in VISA® Purchase Alerts. Enrolling your card(s) provides benefits such as:

  • Security - Keep your account secure by getting alerts for transactions in real-time and immediately identify potentially fraudulent activity.

  • Control - Take an active role by tracking spending and staying on top of account balances.

  • Convenience - Choose your alerts to make sense for you. They are not predetermined.

Easy to enroll:

  • To enroll click here.

  • Register your email to receive VISA® Purchase Alerts.

  • Choose the notification triggers that match your needs, such as transactions exceeding a set amount.

Purchase alerts can trigger:

  • Reaching a purchase amount threshold

  •  International Purchases

  • Purchases made on the internet or over the phone

SPC does not offer VISA® Purchase Text Alerts.  A qualified transaction is any transaction routed through VISA®.