VISA®

Apply For A Sierra Central VISA® Today >

Platinum VISA® and Platinum Plus Rewards

lockoutBoth cards offer:

  • Credit lines from $10,000 to $25,000
  • 25 Day grace period on purchases
  • Low introductory rates
  • Overdraft protection
  • Added VISA Benefits such as Travel Accident Insurance, Travel & Emergency Assistance, and more.
  • and with the Plus Rewards you earn points for your purchases that can be used for merchandise, travel or cash back.

With Our UChoose Rewards, You Shop, You Earn and You Choose.
It’s that simple.

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VISA® Gold and Gold Plus Rewards

  • Credit lines from $5,000 to $10,000
  • 25-day grace period on purchases
  • Added VISA Benefits such as Travel Accident Insurance, Travel & Emergency Assistance, and more.
  • and with the Plus Rewards card you earn points for your purchases that can be used for merchandise, travel or cash back.

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VISA® Classic and Classic Plus Rewards

  • Credit lines from $1,000 to $5,000
  • Added VISA Benefits such as Travel Accident Insurance, Travel & Emergency Assistance, and more.
  • and with the Plus Rewards card you earn points for your purchases that can be used for merchandise, travel or cash back.

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Secured VISA®

  • If you need to re-establish credit, this card is for you
  • The Secured VISA Credit line is secured by a dividend earning share certificate security deposit: For example a VISA credit line of $1000 must be secured by a $1200 share certificate security deposit, a $2,000 VISA credit line must be secured by a $2,200 share certificate security deposit.
  • The minimum and maximum amounts for a Secured VISA card is either $1,000 or $2,000.

My First VISA®

  • If you have limited or no credit history, this card is for you
  • Credit lines from $500 to $1000
  • No annual fee

SCCU VISA®Debit Card

For everyday use!

What are the advantages of using an SCCU Debit card?

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Find a Co-Op Network ATM >coop-network

  • Use at millions of locations worldwide and at thousands of ATMs across the country. The CO-OP network is surcharge free for SCCU Members.
  • View and track your debit card spending any time with our Online Banking.
  • Use for online or telephone purchases.
  • It is more secure then cash because it requires your pin to authorize the debit.
  • It is convenient to use for everyday purchases.
  • It is fast to use.
  • It is there for those unexpected purchases

Contact a Member Services Representative Today and get your SCCU VISA Debit Card!


VISA® Product Comparison

Feature Platinum or Platinum Plus Gold or Gold Plus Classic or Classic Plus My First VISA Secured VISA Business VISA
Credit Line $10,000 to $25,000 $5,000 to $10,000 $1,000 to $5,000 $500 or $1,000 $1,000 to $2,000 $10,000 to $50,000
Annual Percentage Rate (see view rates) Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period Fixed rate of interest A Variable rate that adjust to the prime interest rate plus a rate margin
Rewards Plus card lets your earn 1 point for every dollar through uChoose Rewards Plus card lets your earn 1 point for every dollar through uChoose Rewards Plus card lets your earn 1 point for every dollar through uChoose Rewards None None None
Annual Fee Plus card has a $25 fee that can
be offset using the cash back feature of uChoose Rewards
Plus card has a $25 fee that can
be offset using the cash back feature of uChoose Rewards
Plus card has a $25 fee that can
be offset using the cash back feature of uChoose Rewards
None None None
Grace Period 25 day grace period on purchases 25 day grace period on purchases 25 day grace period on purchases 25 day grace period on purchases No grace period 25 day grace period on purchases
Cash Advance Fee $10 or 3% of the cash advance amount, whichever is greater $10 or 3% of the cash advance amount, whichever is greater $10 or 3% of the cash advance amount, whichever is greater $10 or 3% of the cash advance amount, whichever is greater $25 for cash advances exceeding $200.00 total per day $10 or 3% of the cash advance amount, whichever is greater

uchoose

UChoose Rewards

Earn points redeemable for concert tickets, a new HDTV, a fun-filled cruise, and millions of other exciting options! Log in or register today.

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VISA Checkout-The simpler way to check out

It’s simple to sign up for VISA Checkout.  Set up your account, and start spending less time filling out forms when you shop.  On a smartphone, tablet, laptop or desktop, VISA Checkout works with your existing debit or credit cards across all your devices, no matter where you are.  So, shopping stays convenient and paying online gets even easier.

Ready to sign up?  Sign up and speed through you online shopping experience with a single account that can be used across all your devices.  
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FAQs

What is UChoose Rewards®?

UChoose Rewards is a rewards program where you earn points for shopping or using your Sierra Central Credit Union Platinum Plus Card, then redeem your points for anything of your choice from a huge online rewards catalog.

How do I earn points?

Earn points on qualifying transactions, which are outlined in the welcome materials you received after signing up for this program. Earn even more points when you shop at the participating retailers.

Plus, you can earn even more points when you shop at participating retailers. Choose to shop in-store at national or local retailers or online through www.uchooserewards.com. When shopping in-store, select credit and sign for your purchases.

Where can I earn points?

You earn points everywhere your card is accepted.

What can I redeem my points for?

You can redeem your points for literally thousands of options. It all depends on your personal preferences. You can get event tickets, electronics and hi-tech gadgets, spa treatments, apparel, airline tickets, activity vouchers – the list goes on and on. Browse the redemption section to see all the exciting options available to you.

We keep track of all the points you earn and will help you find just what you are looking for when you are ready to redeem. We even have a Wish List that will help you track when you have earned enough to redeem a specific item.

When can I redeem my points?

It can take up to 60 days for your points to be credited to your account. You must accumulate 2,000 points before you can redeem your points. After that, you can redeem for any number of amazing items. Simply look for your “Total Points Available for Redemption” on the Point Details page to see how many points you have available for redemption.

Can I share points with family members?

Yes, all cards within an account automatically earn points together. In addition, if you have multiple accounts with Sierra Central Credit Union, you can link them together to earn rewards faster. Just visit the Preferences page to link more accounts to your program.

Where can I view my point activity?

You can access the history of your point activity on the Point Details page.

What if I shopped at a participating retailer, but my points are not showing up?

It can take up to 30 days for transactions to appear on the Point Details page. If points from a qualified transaction do not appear after 30 days, please contact the number or e-mail listed on the Contact Us page for assistance.

When I redeem for a product, can I ship my redemption to an address other than the one Sierra Central Credit Union has on file for me?

Yes – you will have the opportunity to change the address for your redemptions as long as the address is located in the United States.

Can points be redeemed at the point of purchase or can they only be redeemed online?

You can only redeem points online through www.uchooserewards.com.

If I am close to having enough points to redeem, can I purchase the balance of the points they need?

No, you cannot purchase the balance of the points you need. You must earn the required points needed to redeem for an item.

What will happen to my points if my card is lost or stolen?

If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register on the website with your new card.

If someone manages to get access to my UChoose Rewards username and password, can they redeem my points?

Every effort is made to authenticate UChoose Rewards participants – but fraud can occur. If you feel that you might have been a victim of fraud, contact your financial institution so that an investigation can be undertaken.

When redeeming can I send to a work address?

Yes – you will have the opportunity to change the address for your redemptions as long as the address is located in the United States.

How much does it cost to participate?

There is no cost. Membership in UChoose Rewards® is absolutely free for Sierra Central Credit Union cardholders, so start shopping and earning today.

What if I have another question?

If you have other questions not answered here, you can contact the number or e-mail listed on the Contact Us page.

Can I return my redemption item, and if yes, how do I do it?

Some redemption items can be returned and some cannot. To understand the various redemption policies and processes, please review the Welcome to UChoose Rewards Terms and Conditions