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Get Cash back & Rewards

Credit cards with rewards are a great way to get something extra on your everyday purchases. Whether you want cash back, travel rewards, merchandise, or gift cards, you’ll find this card just for you, with no annual fee.

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Looking for a credit card that rewards you for your everyday purchases? Open a new card between September 1st and December 31st and when you spend $750 on your card within 60 days, you’ll earn 7,500 rewards points! Redeem your points for cash back, travel, merchandise and more.**

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**Restrictions apply. This offer is only available to members that open a new Seattle Credit Union credit card account that is eligible for uChoose rewards. Members with credit card accounts or who have had a credit card account with us in the last 90 days are not eligible for this promotion. This offer is not available for business credit cards or secured credit cards. Balance transfers and cash advances do not count towards the total spend. Cardholders accrue one (1) reward point for each $1 charged during a statement period for non-promotional purchases.


Transfer your balances to Seattle Credit Union

With our competitive low rates and no balance transfer fee, it's always a good time to transfer high-rate balances to a Seattle Credit Union credit card. Log in to Online Banking or call 855.609.3580.

Get Started


Easy to Earn cash back, Easy to Redeem Rewards

No need to choose between cash back and rewards! Our rewards program, powered by uChoose Rewards, lets you redeem your rewards points for cash, flights, hotels, rental cars, cruises, merchandise, or gift cards to national retailers. Unlike other rewards programs, you don’t have to choose which kind of reward you want until you redeem.

When you redeem your points for travel rewards, you can book your flight, hotel room, rental car, or cruise right through online banking without having to wait for a redemption certificate or go through a special travel site. To access the uChoose Rewards portal, log in to Online Banking.


Low Rates and Fees

The Seattle Credit Union credit card has rates that range from 12.24% and 27.24% APR. That’s lower than most rewards cards you’ll find, regardless of your credit. There’s also no annual fee or balance transfer fees.


All the Features you want & Need 

The problem with some of the big cards is that you end up paying too much for your rewards, either on the interest rate, the annual fee, other fees, or all of the above. The Seattle Credit Union Visa® credit card has all of the features of the big cards but at a price you’d expect from a local, not-for-profit credit union.

With rates starting at just 12.24% APR and no annual fee, you might expect to sacrifice rewards or coverage, but you won’t have to.

Use your card however you’d like. It’s compatible with Apple Pay, Android Pay, and Samsung Pay, so you only need your phone to have your Seattle Credit Union credit card close by. You can also enroll your credit card in Visa Checkout, which makes online shopping faster and more secure.

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Fraud Protection and Security

Use your Seattle Credit Union credit card without worrying about the bad guys. Our card features an EMV chip that helps enhance security when you use it at participating merchants.


Get Pre-Qualified

Are you curious about how much credit you can qualify for, but don't want to go through the full application process?

With our quick and easy pre-qualification tool, we can show you the credit amount you qualify for quickly, without negatively affecting your credit history. Five minutes is all it takes for most customers to complete our online pre-qualification.

Pre-Qualify Now

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Current Rates

Rate Range: 12.24% - 27.24% APR*

*APY Effective as of September 19, 2023. See disclosures for complete details.

See All Rates


Not Quite Ready?

If your credit needs a little work before you’re ready for our traditional rewards card, a Secured Visa® credit card may be the right solution for you.

As you use your Secured Credit Card and payoff the balance, you’ll be building a positive payment history, which can improve your credit score. Once your credit improves, you can apply for a Seattle Credit Union Visa® Credit Card.

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Earn Points with Every Purchase

Seattle Credit Union's credit cards would still be an outstanding value without a rewards program, but to make them even more irresistible, every Seattle Credit Union Visa comes with uChoose Rewards®, a great rewards program that lets you earn points for every dollar you spend.

  1. Redeem your points for travel, merchandise from top retailers, gift cards, or cash.
  2. Every dollar charged equals one reward point1.
  3. Redeeming your points is quick and easy through the UChoose Rewards portal. Log in to Online Banking to access!

Apply Now

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Ways You Save

Save on Purchases: If you carry a balance on your credit card, you know that monthly finance charges on purchases can get pretty expensive. You could save hundreds of dollars a year in interest by switching to a Seattle Credit Union Visa credit card as your primary credit card. Whether your credit is spotless or has a few blemishes, Seattle Credit Union offers rates that are lower than most other credit card providers.

Save When You Transfer Balances: Consolidating your balances to a Seattle Credit Union Visa credit card can lower your interest and allow you to manage your finances in one place. Unlike some of the national credit card companies, Seattle Credit Union doesn't charge a balance transfer fee. Drop by a branch or log in to Online Banking to fill out a simple form and we'll handle all the details. You'll save with Seattle Credit Union's low rate on all balance transfers, plus you'll enjoy the convenience of just one monthly payment. For more information, call us at 855.575.9352.

Pay No Annual Fee: Because Seattle Credit Union is a credit union, we charge fewer and lower fees than for-profit banks do. The same is true for Seattle Credit Union's Visa. At Seattle Credit Union, you’ll pay no annual fee for one of the best reward credit cards you’ll find anywhere in the Puget Sound. Plus, if you accidentally miss a payment or need to make a cash advance from your card, you’ll pay less than you would with the national card issuers.

A credit card with the latest digital features

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Card Control

Credit cards make it quick and convenient to make purchases online, at the corner store, coffee shop, or movie theater. To make your shopping safer, we offer the Seattle CU Card Control app — a service that allows you to manage your Seattle Credit Union debit and credit cards from your mobile device. With the app, you can turn your card on and off, set geographic parameters, restrict or allow transactions based on the type of merchant, schedule alerts and more.

Learn About Card Control

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Digital Wallet

You can now connect your Seattle Credit Union credit and debit card to Apple Pay®, Samsung Pay®, or Android Pay®. Using digital wallet is even easier than plastic—your information is transmitted when you hold your device in front of the retailer’s check-out device, or contactless reader, wherever the Apple Pay, Android Pay, and Samsung Pay symbols are displayed. When you are ready to get started, read on about the few easy steps it takes to set it up.

Learn About Digital Wallet

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Por favor llame al 206.398.5594 para comunicarse con nuestros representantes que hablan Español a fin de obtener detalles o si tiene preguntas.

Apply Now. Get Answers Fast.

Getting your loan at Seattle Credit Union could not be more simple. There are three easy ways to apply:

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By Phone

Call our specially-trained loan experts, who are happy to answer any questions you might have. They can take your application and get you a decision while you wait, in most cases. Call 855.575.9352 to get started.

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When you are ready to apply, head over to our online loan application to get started. Answer a few short questions, hit submit, and you’ll usually have an answer in just a few minutes.

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In Person

Stop by any of our convenient branches to talk with our helpful, friendly branch representatives. They can help you figure out which loan is right for you and connect you with a loan expert or help you apply online to get you a decision fast.