Credit Cards

All of our credit cards offer no balance transfer fees, no cash advance fees and no foreign transaction fees.

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Credit card options to meet your needs

Whether you want a Visa® credit card with no annual fee or one that earns reward points with every purchase, we offer options to meet your needs.*

All of our credit cards offer: 

No balance transfer fees

No cash advance fees

No foreign transaction fees

Credit limits up to $25,000

Plus, you may shop at any retailer participating in mobile wallets such as Apple Pay®, Samsung Pay or Android Pay.
Visa® Rewards
Visa® Credit Card
Key Features
  • Variable rate: The annual percentage rate varies with the market based on the prime rate.
  • Earn double ScoreCard Rewards points with every purchase.
  • No balance transfer fee.
  • No cash advance fee.
  • No foreign transaction fee.
  • Variable rate: The annual percentage rate varies with the market based on the prime rate.
  • No balance transfer fee.
  • No cash advance fee.
  • No foreign transaction fee.
Annual Fee

$50
Can be paid using your ScoreCard Rewards points in January

No annual fee

Visa® Rewards

Key Features
  • Variable rate: The annual percentage rate varies with the market based on the prime rate.
  • Earn double ScoreCard Rewards points with every purchase.
  • No balance transfer fee.
  • No cash advance fee.
  • No foreign transaction fee.
Annual Fee

$50
Can be paid using your ScoreCard Rewards points in January

Visa® Credit Card

Key Features
  • Variable rate: The annual percentage rate varies with the market based on the prime rate.
  • No balance transfer fee.
  • No cash advance fee.
  • No foreign transaction fee.
Annual Fee

No annual fee

For complete details, view the Credit Card Application and Solicitation Disclosure.

Fraud Monitoring

We use a Fraud Monitoring Service to help keep your financial information safe.

Learn More
SMART CREDIT CARD MANAGEMENT

Use credit cards wisely to build your credit and avoid costly debt.

  • Pay your full balance each month and maintain a credit utilization ratio below 30%
  • Set up payment reminders or automatic minimum payments to make sure you never miss a due date
  • Review your statements each month for unauthorized charges or errors
  • Avoid opening multiple new credit cards in a short period of time, this can be a red flag to lenders
  • Use credit cards strategically for purchases you have budgeted for, not as an extension of your income
Apply for a Credit Card

Frequently Asked Questions

Prior to traveling internationally or significant distances from your home, call us at 301.779.8500 to let us know your travel dates and destination. In addition, please give us your updated mobile phone number so we can reach you to validate transactions that trigger our Fraud Prevention Services.

If your card is detected as being used fraudulently, your card will be deactivated until our Fraud Prevention Services can reach you and validate your transaction. This is why it's important to provide the Credit Union with your current mobile phone number.

Your Educational Systems FCU debit or Visa® credit card will work at most international retailers. Many retailers are now accepting EMV (Europay, MasterCard and Visa) cards. These are cards that include a computer chip that authenticates your financial information as you make your purchase. Our cards include EMV technology.

*Applications subject to credit approval. You'll need to provide verification of income such as your most recent pay stub.