Scott Credit Union Credit Cards

Maximize your purchasing power with low, fixed rate credit cards.

Get the SCU eXtreme Visa® Credit Card and Earn Rewards
Scott Credit Union credit cards give you the power to make the purchases you need without the added expense of a high interest rate or an annual fee. No matter where you are in your financial journey, Scott Credit Union has the perfect card for you. With low interest rates, no annual fee, low balance transfer fee, and the ability to earn rewards, you really can’t go wrong with a credit card from Scott Credit Union. Plus, SCU offers online and mobile banking, Apple and Google Pay options, and even more ways to pay.
SCU Extreme Visa Credit Card

Features at a Glance1:

1Please review account agreement for benefit details and conditions.

2APR = Annual Percentage Rate. Promotional rates for the first 6 billing cycles; after the 6th billing cycle the rate changes depending on creditworthiness. View current Scott Credit Union interest rates. A minimum monthly payment is required during the promotional period. Balance transfer fee is 2% of the balance transferred or $10, whichever is greater. Must become a member of Scott Credit Union to be an eXtreme Visa cardholder. To become a member, a $5 minimum deposit is required to open a share (savings) account. Not valid with any other offers. The promotional rate cannot be applied to balance transfers from products of Scott Credit Union. Please review account agreement for benefit details and conditions.

Are you a St. Louis Blues Fan?
SCU is proud to offer the St. Louis Blues Credit Card and Debit Card.
The SCU Credit Builder Program Builds Your Credit
Getting approved for a credit card can be difficult when you don’t already have an established credit history. We’ll help you get started on the path to a great score with the credit builder program available using our eXtreme Visa credit card.

Features at a Glance1:

To qualify, you must have:

  • A true zero credit score with no previous credit history reporting
  • No derogatory credit history reporting
  • One year employment at current job
  • Proof of income with year-to-date income listed
  • A membership at Scott Credit Union3
SCU Credit Builder

1Please review account agreement for benefit details and conditions
2APR = Annual Percentage Rate. Promotional rate for the first 6 billing cycles, after the 6th billing cycle the rate changes. View current Scott Credit Union interest rates.
3To become a member, a $5 minimum deposit is required to open a savings account.

Secured Visa® Credit Card
Have you had a few bumps in the road when it comes to your credit? This secured credit union credit card can help you get back on track without breaking the bank.

Features at a Glance1:

Here’s how it works:

Become an SCU member, and once you’re approved for a secured credit card, you’ll put down a 120% security deposit to cover your line of credit. For example, a $600 deposit sets your credit line at $500.

Apply now online in as little as 5 to 10 minutes. You can also apply in person by visiting any of Scott Credit Union’s convenient locations, or over the phone by calling our Loan Center at (800) 888-4728, Option 3.

credit card page - Secured Visa Credit Card

1Please review account agreement for benefit details and conditions.
2APR = Annual Percentage Rate

ScoreCard Rewards

Redeem your rewards points on thousands of name-brand electronics, recreational merchandise, jewelry, home goods, appliances, workshop tools, travel transportation and lodging, games, and toys.

Shop and earn 1 point for every $1 you spend with ScoreCard Rewards, anytime you use your eXtreme Visa® credit card. Points add up fast when you use your card for your everyday purchases like groceries, gifts, fuel, dining, and more.

You can also choose to redeem your ScoreCard Rewards for:

  • SCU eXtreme Visa account statement credit, applied to your statement within 3 days.
  • Cash back in the form of an ACH electronic deposit to your checking or savings account.
  • Gift cards, including iTunes, Amazon, or for movie tickets and much more.
  • Fuel discount of up to $0.50 per gallon, up to 20 gallons, at participating Amoco, BP, Shell, CITGO, and Murphy USA/Murphy Express gas stations.
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Ways to Use Your Reward Points
ScoreCard Rewards
Earn points when you use your card. Choose from thousands of name-brand electronics, recreational merchandise, jewelry, home goods, appliances, workshop tools, travel options, games, and toys. And they are always adding something new!

A few fun ideas on how you can use your points:

  • Get travel accommodations such as Airbnb, hotel stays at top properties, airfare, car rentals, cruises, etc.
  • Credit your Blues Visa® account, (this credit will be applied to your statement within 3 days).
  • Use your points for gift cards, instant fuel price rollback at the pump, and so much more!

Find all the ways you can start rewarding yourself today and visits ScoreCardRewards.com

Check Your Existing ScoreCard Rewards Balance

Already have an eXtreme Visa® Credit Card and want to browse your ScoreCard Rewards account? Log in to SCU Online Banking, click on the “Services” tab in the main navigation and select credit card. You will then have to click on the card for which you want to view your Rewards.

This will launch access to your Scott Credit Union credit card account in another window. Click on the green “View Rewards” button*. This will launch the ScoreCard Rewards website via a single sign-on login. If you are not already registered for an SCU Online Banking account, click the SCU login link above and select, “Enroll.”

*If you have not previously received any rewards points the “View Rewards” button will not display. To see a preview of the rewards please visit ScoreCardRewards.com.

Pay with Rewards from PayPal

ScoreCard Rewards has partnered with PayPal to bring you more from your loyalty program. Now you have an exciting new way to use ScoreCard Rewards points when shopping online, from the comfort of your home.

Enjoy these benefits when you use your points at checkout:

  • Shop around the world, right from your home
  • Help stretch the dollars in your wallet
  • Fast way to pay

Add your card to PayPal to get started:

  • Go to PayPal and log in or create an account. Navigate to the ‘Wallet’ page from the navigation bar.
  • Select ‘Link a credit card’ and enter your ScoreCard Rewards-enabled card information. Click ‘Agree and Link’ to connect rewards to your wallet.
  • Choose your ScoreCard Rewards card as the default payment preference.
Pay with Points at Walgreens, CVS, Schnucks

Use your ScoreCard Reward points at Walgreens, CVS, and Schnucks stores at checkout when you spend at least $10.01. You’ll be given the option to “pay with points” at the point-of-sale when paying with your eligible Extreme Visa® Credit Card. 

A prompt on the card terminal will ask you if you want to apply a credit worth $10 per transaction, based on available eligible points (2,000 points required to redeem).

If you select “Yes,” the purchase amount will be discounted by $10.00. If you select “No,” points will not be deducted from your points balance and you will pay the original purchase amount.

Make a Credit Card Payment

To make your credit union credit card payment, you will need to have access to your accounts via our SCU Online Banking. Please register now by clicking “Open an Account” in the top right-hand corner of this page. If you are already registered for SCU Online Banking, simply log into your account.

Once you are logged in, you have two primary options to make a payment to your Scott Credit Union credit card:

credit card page - Make a Credit Card Payment

Make a payment from a SCU checking or savings account

To complete this transfer, click on the orange “Transfer Money Now” button in the top right corner of your main accounts listing screen. First, select the account from which you want to transfer your payment. Then, select your credit card account in the drop down to transfer to. Enter the transfer amount. Complete the transfer by clicking the “Transfer Funds” button. This button will be grayed out until you have completed all the previous fields.

Make a payment from another financial institution account

Login into SCU Online Banking, click on the “Services” tab in the main navigation and select credit card. You will then have to click on the card to which you are making your payment. This will launch access to your credit card account in another window. Click on the green “Pay Bill” button. Then you can set up a payment account. Your payment account can be an account at SCU or at another financial institution. Once your payment account is set up, you can make the payment from that account to your credit card.

How Do I Apply?

You can apply for a Scott Credit Union credit card with our secure and convenient online application in as little as 10 to 20 minutes. You can also apply in person by visiting any of Scott Credit Union’s nearby locations, or over the phone by calling our Member Contact Center at (618) 345-1000, Option 3.

Manage Your Account Online

With SCU Online Banking, you get secure online access to your account so that you can review card activity, view billing statements, and make a payment! Get started by registering for SCU Online Banking. Once you log into SCU Online Banking, click on credit card in the services tab in the main navigation. You will be automatically logged into your credit card information. Learn more about SCU Online Banking.

credit card page - Manage Your Account Online