South Carolina Federal Credit Union Catalog Rewards Credit Card

Nationwide

Availability

Eligibility requirements

This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

scfederal.org

Phone

(800) 845-0432

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

15.49% – 17.99%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
619 or less	17.99%	1 dollar sign symbol Pay less interest
620-719	17.74%	1 dollar sign symbol Pay less interest
720+	15.49%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

0% for 6 months

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee: 2% of each purchase
Minimum finance charge: A minimum interest payment of $10 is required to avoid additional fees
Grace period: 5 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: Up to $35.00. Credit Union will charge your Account a late payment fee for each billing period in which your minimum payment is not received within five (5) days of your payment due date. This fee may be added to your Account balance, or collected from y
Over-limit fee: None
Expedited payment fee: $11 (You may be charged a fee for expedited payments made via telephone to a Credit Union Representative. Fees are not assessed for payments made by mail, electronic transfer, or telephone authorization through an automated service. Ask us for applicable fee a)
Returned payment: $35 (Up to $35. e. Credit Union will charge your Account a fee if your payment by any method, including check, electronic transfer, home banking transaction or otherwise, is not honored, or if we must return it to you because it cannot be processed for any rea)
Account research fee: $22 (. If you ask for a copy of any document, such as a sales draft, Convenience Check, or billing statement, a charge may be imposed for the time it takes to research and locate the document. However, no charge will be imposed in connection with any actual or)
Copy fee: $5 (. If you ask for a copy of any document, such as a sales draft, Convenience Check, or billing statement, a charge may be imposed for the time it takes to research and locate the document. However, no charge will be imposed in connection with any actual or)

Rewards and perks

Travel and other

Other rewards: uChoose rewards that can be redeemed for gift cards, travel merchandise

Services

Access to Free Credit Scores
Credit card registration
Debt cancellation coverage

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

15.49% – 17.99%*

+

$0

*As of Jun. 30, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The median cash advance APR for this card is 16.74%.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.