Get an interest rate you'll love from a Credit Card that loves you back!

If your credit card bill breaks your heart each month, you deserve better! Transfer your high credit card balance to the SMW Rewards Credit Card and get a 5.9% annual percentage rate.  No transfer fee. No annual fee. Keep the 5.9% APR until your balance is paid in full.

Earn cash back or reward points on all purchases, with double cash back or double rewards on gas and groceries.

Offer good now thru March 15, 2019.  Payments are first applied to balances with the highest APR. Offer valid to cardholders in good standing with available balance. $25 Share Savings required to become an SMW Financial Credit Union member. Credit qualification required.


  • Competitive rates
  • No annual fees
  • Earn rewards for purchases:
    • Cash Back: 1% cash back on purchases (net), shown on monthly statement, credited quarterly OR
    • Rewards Bonus Points: One point earned for every $1 spent on purchases (net) redeemable for merchandise travel
  • Zero fraud liability
  • Low minimum monthly payments
  • Make payments a breeze with automatic payments
  • No fees for balance transfers, cash advances, or convenience checks
  • Withdraw cash at ATMs displaying the Visa emblem
  • 24-hour account access online or over the phone for inquiries and payments
  • 25-day interest-free grace period on all new purchases if previous balance is paid in full
  • Free auto rental insurance when you use your Visa to rent a car
  • $500,000 common carrier travel insurance at no charge when tickets are purchased with your Visa credit card 

How to Apply

Please give us a call at (651) 747-1500 and choose Option 2. Our loan staff will help you start your application. Or, if you’re ready to apply online, please use the button above or below.

*APR = Annual Percentage Rate. APR, effective July 1, 2014, until transferred balance is paid in full. Subject to credit qualification; offer may be withdrawn at any time. See Credit Card Application, Visa Credit Card Agreement, and Solicitation Disclosure about the account.