Credit Cards at Scott Credit Union
Credit Cards With Low Rates, Rewards, and No Annual Fee
Low-Rate Credit Cards With No Annual Fee From Scott Credit Union
Whether you’re looking to earn rewards, transfer a balance, build credit, or cheer on the St. Louis Blues, Scott Credit Union offers Mastercard® credit cards designed to fit your financial goals.
Scott Credit Union offers credit cards with low rates, rewards, modern digital banking tools, and local service—all without an annual fee.
Scott Credit Union Credit Card Benefits
- No annual fee
- Competitive interest rates
- Mastercard® worldwide acceptance
- Contactless payments
- Digital wallet compatibility
- Fraud monitoring and security tools
- Manage your account with SCU Digital Banking
Find the Best Credit Card for Your Wallet
Scott Credit Union Platinum World Rewards Mastercard®
Best for Earning 2X Points at Home & Abroad
Maximize every dollar with SCU’s Platinum World Rewards Mastercard. Designed for frequent travelers, you’ll enjoy global acceptance, 2X points on everyday purchases, 3X points on travel, and 2X points on gas and tickets, making it easy to rack up rewards wherever you spend.
Scott Credit Union Platinum Rewards Mastercard®
Best for Earning Rewards
Upgrade your wallet with the best rewards credit card for everyday purchases! SCU’s Platinum Rewards Mastercard is a low-rate points credit card with no annual fee. Earn rewards on gas, groceries, and everyday spending, then easily redeem your points for travel, gift cards, merchandise, and more through the ScoreCard® Rewards.
Scott Credit Union St. Louis Blues Mastercard®
Best for St. Louis Blues Fans
Show your team pride everywhere you shop with the exclusive St. Louis Blues Mastercard! Earn 2X points on most purchases at Enterprise Center and save 10% on merchandise at the STL Authentics Team Store. Plus, receive 25% off the day after the Blues win! In-store only. Not valid online.
Scott Credit Union Platinum Mastercard®
Best for Low APR & Everday Spending
Keep your payments manageable with SCU’s Platinum Mastercard, our best low interest credit card for everyday use. This card features our lowest competitive APR, no annual fee, and global Mastercard acceptance, making it a dependable choice for shopping, dining, and daily expenses.
Scott Credit Union Select Mastercard®
Best for Credit Building
SCU’s Select Mastercard is best for members establishing or rebuilding credit. With responsible use, it can help you build a positive credit history while enjoying the convenience of a Mastercard credit card.
Find the Scott Credit Union Mastercard that’s right for you by comparing features, rewards, introductory offers, and benefits.
Select Mastercard® | Platinum Mastercard® | Platinum Rewards Mastercard® | Platinum World Rewards Mastercard® | St. Louis Blues Mastercard® |
|
|---|---|---|---|---|---|
| Intro Rate | N/A | 1.99% Into APR1 for 6 billing cycles | 1.99% Into APR1 for 6 billing cycles | 1.99% Into APR1 for 6 billing cycles | 1.99% Into APR1 for 6 billing cycles |
| Balance Transfer | N/A | 0.00% Into APR for 6 billing cycles on Balance Transfers | 0.00% Into APR for 6 billing cycles on Balance Transfers | 0.00% Into APR for 6 billing cycles on Balance Transfers | 0.00% Into APR for 6 billing cycles on Balance Transfers |
| Credit Limit | $500 - $1,0002 | $500 - $50,000 | $500 - $50,000 | $10,000 - $50,000 | $500 - $50,000 |
| Earn Rewards | ✖ | ✖ | ✔ | ✔ | ✔ |
| Annual Fee | None | None | None | None | None |
| Grace Period3 | 25 Days | 25 Days | 25 Days | 25 Days | 25 Days |
| Guide to Benefits | |||||
| ID Theft Protection | ✔ | ✔ | ✔ | ✔ | ✔ |
| Zero Liability | ✔ | ✔ | ✔ | ✔ | ✔ |
| Contactless Technology | ✔ | ✔ | ✔ | ✔ | ✔ |
| Mastercard® Global Services | ✔ | ✔ | ✔ | ✔ | ✔ |
| Priceless Experiences | ✔ | ✔ | ✔ | ✔ | ✔ |
1 APR = Annual Percentage Rate. Promotional rates for the first 6 billing cycles; after the 6th billing cycle the rate changes to as low as 11.90% APR to 17.90% 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 a 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.
2 Select Mastercard Credit Card requires a refundable security deposit equal to desired credit limit. Example: $500 deposit required for $500 credit limit.
3 Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Ready to Find the Right Credit Card?
Whether you’re earning rewards, building credit, or looking for a low-rate credit card, Scott Credit Union has a Mastercard designed for you.
Earn Rewards on Everyday Purchases
Earn points on every eligible purchase with your SCU Platinum World, Platinum Rewards, or Blues Mastercard. With ScoreCard® Rewards, you can redeem points for:
- Travel
- Gift cards
- Merchandise
- Experiences
- And more
Whether you’re filling up your gas tank, grocery shopping, or planning your next vacation, your everyday spending can help you earn valuable rewards.
Save Money With a Balance Transfer
Carrying a balance on a higher-interest credit card? Scott Credit Union offers promotional balance transfer opportunities on select credit cards that can help you save on interest while paying down existing balances faster.
Compare our current introductory offers to see which credit card best fits your financial goals.
Frequently Asked Questions About SCU Credit Cards
Scott Credit Union offers Mastercard® credit cards designed to fit a variety of financial goals.Whether you’re looking for a low-rate everyday card, rewards on purchases, travel benefits, acard to build credit, or a St. Louis Blues Mastercard®, you’ll find an option that fits your needs.Compare our credit cards above to find the right one for your wallet.
No. Scott Credit Union credit cards have no annual fee, so you can enjoy the benefits of your card without paying an annual membership fee.
The Platinum Rewards Mastercard®, Platinum World Rewards Mastercard®, and St. Louis Blues Mastercard® earn rewards on eligible purchases. Points can be redeemed for travel, merchandise, gift cards, and more. See individual card details for eligibility and rewards information.
The Platinum World Rewards Mastercard® is designed for members who travel frequently and want enhanced rewards along with the worldwide acceptance of Mastercard®.
The Select Mastercard® is designed for members who are establishing or rebuilding their credit. Responsible use, including making payments on time and keeping balances manageable, can help you build a positive credit history.
Yes. Select Scott Credit Union credit cards offer promotional balance transfer opportunities that can help you consolidate higher-interest credit card balances. Review current promotional offers or contact Scott Credit Union for complete eligibility and terms.
A balance transfer moves an existing balance from another eligible credit card to your Scott Credit Union credit card. During promotional periods, qualifying balance transfers may receive a special introductory APR, helping you save on interest while paying down debt.
Yes. Scott Credit Union Mastercard® credit cards are accepted at millions of merchants worldwide wherever Mastercard® is accepted, making them a convenient payment option whether you’re shopping close to home or traveling abroad.
Yes. Scott Credit Union Mastercard® credit cards are compatible with Apple Pay®, Google Pay™, and Samsung Pay™, allowing you to make fast, secure, contactless purchases using your mobile device.
Eligible purchases made with qualifying Scott Credit Union rewards credit cards earn ScoreCard® Rewards points. Points accumulate automatically as you make eligible purchases. Learn more
ScoreCard® Rewards points can be redeemed for a variety of rewards, including travel, gift cards, merchandise, and more through the ScoreCard® Rewards program. Learn more
If your Scott Credit Union credit card is lost or stolen, contact us immediately so we can help protect your account, prevent unauthorized transactions, and issue a replacement card. Call (800) 754-4128 to report a lost or stolen credit card.
You can make a payment through SCU Digital Banking using your Scott Credit Union checking or savings account or an account at another financial institution. Payments can also be made using the options outlined in your credit card account information.
Yes. SCU Digital Banking lets you manage your credit card anytime by viewing transactions, checking balances, making payments, reviewing statements, and accessing other account management tools from your computer or mobile device.
You can apply online by selecting Get Pre-Approved or Apply Now on the credit card that’s right for you. If you’re not already a Scott Credit Union member, you’ll also complete the membership application as part of the process.
Approval is based on several factors, including your credit history, income, and overall financial profile. Because every application is evaluated individually, there isn’t a single minimum credit score required for all Scott Credit Union credit cards.
A debit card uses money directly from your checking account, while a credit card allows you to borrow up to an approved credit limit and repay the balance over time. Using a credit card responsibly can also help you establish or build your credit history.