Get a low rate Visa® credit card!

Having a Scott Credit Union Credit Card means you can 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! Apply online.

Extreme Visa Credit Card


Features at a glance2

With Scott Credit Union’s Extreme Visa Credit Card, you can save money with our low interest rates and reward yourself along the way! Enjoy 1.99% APR for 12 billing cycles on purchases. Plus, get 0.00% APR for the first 12 billing cycles on balance transfers with a low balance transfer fee of 2% of the balance transferred or $10, whichever is greater. After 12 billing cycles, the rate changes to as low as 8.90% APR to 15.90% APR depending on your credit. Plus, you will earn rewards when you make purchases with your card. No matter how big or small the purchase, you can rest assured that you are getting the best deal with an Extreme Visa Credit Card from Scott Credit Union.


Frequently asked questions about our Extreme Visa Credit Card

How do I apply?

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

Reward yourself for shopping.

With Scott Credit Union’s Extreme Visa Credit Card, you really can have it all. Not only will you enjoy a low rate, you will earn rewards too! For every $1 in credit card purchases, you will earn one point. Points are redeemable for merchandise, travel, gift cards, charitable donations, and cash back! Plus, browse rewards and redeem points online with our ScoreCard Rewards! Website that is available through your credit card information on SCU Online Banking.

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.

2Please review account agreement for benefit details and conditions.

3APR = Annual Percentage Rate. Offer available for both new and existing cards from September 1 to October 31, 2021. Promotional rates for the first 12 billing cycles; after the 12th billing cycle the rate changes to as low as 8.90% APR to 15.90% APR depending on creditworthiness. 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.

Credit Builder Program

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 on our Extreme Visa Credit Card!

To qualify, you must have:Man sitting at computer holding SCU Extreme Visa Credit Card.

  • 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 Union (It’s easy to sign up!)2

Features at a glance3

  • Low intro rate as low as 1.99% APR4 for purchases for the first 12 billing cycles
  • Earn rewards on purchases
  • No annual fee
  • $500 credit limit
  • 25-day grace period
  • Extreme Visa Credit Card Disclosures

How do I apply?


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

2To become a member, a $5 minimum deposit is required to open a savings account.

3Please review account agreement for benefit details and conditions.

4APR = Annual Percentage Rate. Promotional rate for the first 12 billing cycles, after the 12th billing cycle the rate changes to 10.90% APR.

ScoreCard Rewards


Gifts for them, bonus rewards for you!

This holiday season, you can earn even more rewards with the Extreme Visa® credit card. Get 5,000 bonus points when you spend $2,000 between November 1st and December 31st!


At Scott Credit Union we want to provide you with the best value possible. That’s why we offer ScoreCard Rewards on our Extreme Visa® Credit Card.

ScoreCard Rewards now featuring 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:

  1. Go to PayPal and log in or create an account. Navigate to the ‘Wallet’ page from the navigation bar.
  2. Select ‘Link a credit card’ and enter your ScoreCard Rewards-enabled card information. Click ‘Agree and Link’ to connect rewards to your wallet.
  3. Choose your ScoreCard Rewards card as the default payment preference.

Walgreens
Over 8,000 Walgreens stores nationwide now available as a new redemption option.

  • Walgreens customers will be given the option to “pay with points” at the point-of-sale when using their 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).

Over 16,000 Dollar General stores will become available starting in 2021.


CVS
Enjoy a redemption option at CVS stores.

  • ScoreCard Loyalty Rewards cardholders participating in Premium Payback can swipe or insert an enrolled card in-store at the CVS point-of-sale terminal.
  • When you use our card at CVS (in-store only), you will have the option to convert your eligible loyalty point balance to currency as an alternative form of payment.
  • If you have sufficient loyalty points and make a purchase of at least $10.01, you will receive a message prompt at the terminal asking if you would like to use 2,000 points for $10.00 off your purchase.
  • 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.

Redeem Points in Near Real-Time

  • If you are a cardholder participating in Premium Payback SMS, you can also redeem your loyalty points in near real-time virtually anywhere through SMS messaging notifications.
  • When using your enrolled Extreme Visa® Credit Card, insert or swipe the card at the point-of-sale terminal. Near real-time SMS text will prompt you to redeem points toward your most recent purchase.
  • You will receive two offers per month (offer with the greatest value to you as a Scott Credit Union member).
  • You must enroll for SMS text messaging on our Rewards website.

Earn on Everyday Transactions
With ScoreCard Rewards, points add up fast when you use your card for your everyday purchases like groceries, gifts, fuel, dining, and more!

Broad Offering of Awards
Choose from thousands of name-brand electronics, recreational merchandise, jewelry, home goods, appliances, workshop tools, travel options, games, and toys. And we are always adding something new!

Travel
Get travel accommodations such as hotel stays at top properties, airfare, car rentals, cruises, etc. Anywhere you want to go, you can use your points to get there.

Statement Credit
You can reward yourself by choosing to credit your SCU Extreme Visa account, (this credit will be applied to your statement within 3 days).

Cash Back (ACH)
Whether it’s to pay a bill, buy a dinner out, or to purchase a gift for someone special, an ACH electronic deposit is a perfect choice for your reward redemption. (The ACH reward is sent to a checking/savings account of your choice within 5-7 days).

Gift Cards
You can use your points for gift cards too, including iTunes, Amazon, or for movie tickets and much more!

Fuel Discount Award
Enjoy real-time, instant fuel price rollback at the pump and save $0.50 per gallon, up to 20 gallons, every time you fill up. Use your SCU credit card at the pump at participating gas stations to see the fuel discount offer and redeem for savings! Participating fuel stations are: Amoco, BP, Shell, CITGO, and Murphy USA/Murphy Express.

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 credit card account in another window. Click on the green “View Rewards” button2. 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 please do so by clicking the “Register” link just below “SCU Online” on the top right hand side of this page.

2If 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.

Secured Visa Credit Card

Features at a glance2

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

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.

Frequently asked questions about our Secured Visa Credit Card

How do I apply?

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

Reward yourself for shopping.

With Scott Credit Union’s Secured Visa Credit Card, you really can have it all. Not only will you enjoy a low rate, you will earn rewards too! For every $1 in credit card purchases, you will earn one point. Points are redeemable for merchandise, travel, gift cards, charitable donations, and cash back! Plus, browse rewards and redeem points online with our ScoreCard Rewards! Website that is available through your credit card information on SCU Online Banking.

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.

2Please review account agreement for benefit details and conditions.

3APR = Annual Percentage Rate.

How to Make a Payment

To make your credit card payment, you will need to have access to your accounts via our SCU Online Banking. Please register now by clicking on register below “SCU Online” 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:

Make a payment from an SCU checking or savings account

Transfer the money for your payment from one of your deposit accounts with SCU to your credit card.

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.


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