Credit Cards

Cash Back and Rewards Credit Cards

Experience More with SMW FCU’s Visa Credit Cards

There is nothing like the ease of use that credit cards can give us—except the rewards offered for using our credit cards! Every time you use either SMW credit card you can be earning rewards. Both of our credit cards have no annual fee, while rewarding you for the purchases you make. Do you prefer points for travel and merchandise? Or would you like the simplicity of cash back? With SMW’s rewards credit cards, the choice is yours.

Choose the credit card that fits your lifestyle – earn cash back on purchases or redeem rewards points for travel and merchandise. No annual fee, competitive rates, and the flexibility you need!

When choosing a card, it is so helpful to have a chart to compare the benefits. Choose the one that best fits your lifestyle and your spending style. SMW wants you to have the rewards credit card that works best for your financial goals and habits.

  • Earn Rewards
  • Rates as low as 12.99% APR
  • Fraud Protection

Your Everyday Purchases, Rewarded

Whether you prefer cash back or travel rewards, SMW Visa Credit Cards make every dollar count. No annual fee, great benefits, and the flexibility to fit your lifestyle!

*APR = Annual Percentage Rate. We will begin charging interest on the transaction date in accordance to your standard terms. Your account must be in good standing and the financial institution reserves the right to return any item on accounts if your account is either in default, you have exceeded your credit limit, or if the item you wish us to pay would cause the outstanding balance in your account to exceed your credit limit. You will not be eligible for a grace period on new purchases as long as any promotional balance is outstanding. Rewards and/or rebates are not eligible with this offer. Payments made to your account will be applied per your card payment allocation previously disclosed in your account terms.