Credit CardS

Fees? Zero...Zip...Nada!

Our Visa® Credit Card is our best kept secret!

There are no fees and great, low fixed rates as low as 7.9%. Yep, you read that right…FIXED rates! 

Visa® Classic

Credit lines up to $5,000
Low 10.5% APR
25-day grace period on purchases
Travel Accident Insurance up to $250,000
Auto Rental Collision Damage Waiver
Convenient payment options

Visa® Platinum

Credit lines up to $25,000
Low 7.9% APR
25-day grace period on purchases
Travel Accident Insurance up to $250,000 
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Lost Luggage Reimbursement
Warranty Manager Service
Purchase Security
Convenient payment options

No Annual Fee

No Balance Transfer Fee

No Cash Advance Fee

No Over Credit Limit Fee

*Card types are determined by your credit worthiness.

Get the most out of your card

Credit Card Benefits

Balance Transfer

Pay off your high-interest rate credit cards! Balance transfers are available with both our Visa® Classic and Visa® Platinum cards.  

Visa® Discounts

Get great discounts at your favorite retailers when using your SMW 104 Federal Credit Union Visa® Debit card or Visa® Credit card for purchases.

Visa® Card Rates

Visa® Platinum & Classic Card Rates

Click here for the Visa Classic & Visa Platinum Credit Card Disclosure

Visa Classic 10.50% APR No Annual Fees, No Balance Transfer Fees, No Cash Advance Fees
Visa Platinum 7.90% APR No Annual Fees, No Balance Transfer Fees, No Cash Advance Fees

If you believe your Visa® credit card or debit card has been lost or stolen, call us immediately at 800-464-5987.  Our Member Service Representatives are available to take your call Monday – Friday 9:00am to 5:00pm (excluding holidays).  After hours, please call 888-297-3416. 

We offer convenient ways to activate your Visa® Credit or Debit card:

  • Activate your new Visa® Credit card by calling 800-631-3197. 
  • Visa® Debit cards can be activated by calling 866-762-0558.
  • Call SMW 104 Federal Credit Union at 800-464-5987 during our normal business hours.
  • Your Visa® card (no Visa logo) can be activated by calling 866-762-0558.

In order to assist you with questions concerning a declined transaction during non-business hours, please call the 24/7/365 Transaction Assistance Line. Most questions concerning the nature of your decline can be answered in minutes. In most cases, the analyst can update the account to allow approval of the transaction. (Some restrictions may apply). 

Cardholders in the U.S. can call 800-547-1335.

If you are planning a trip out of state or out of the country, please notify us before you leave. Additionally, if you are making a purchase outside of your “normal” spending pattern, please notify us before you attempt the transaction to ensure you are not inconvenienced with a transaction denial.

For travel notifications, please be prepared to provide us with the dates and destination of your upcoming travel along with the last four digits of the card number. 

You may submit your notification by calling our office at 800-464-5987 during regular business hours (Mon.-Fri 9:00am – 5:00pm), sending a secure message when logged into your account through Online Banking.  

Our goal is to provide you with ultimate member service and minimal inconvenience.

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