Credit Cards - Signal Financial

CREDIT CARDS

Low rates plus great rewards

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It’s all about choice.

Signal’s new credit cards offer more options and more benefits

 

Choose a Signal credit card that fits your needs, whether that’s rewards points, cash back, or building your credit history. We changed our credit cards to offer members more choices — and when combined with the new LinkRewards program, which rewards members for banking more actively with the credit union, our new credit cards have even more benefits!

For questions about our new credit cards, call us at 301-933-9100, ext. 105.
To find out more about the LinkRewards program and how to enroll, visit our LinkRewards page or call 301-933-9100, ext. 298.

To upgrade a current Classic or Platinum credit card, please do not apply online; call us at 301-933-9100, ext. 298 for assistance.

Apply Now

 

Want a card that offers cash back on every purchase?
Choose the Visa Signature card.

 

The new Visa Signature card1 is for members looking for cash back rewards. For every $1 in purchases made with your Signature card, you get 1% cash back to your credit card account balance.2 It’s like getting everything on sale! Plus, with no foreign transaction fee, the Signature card is an affordable credit card to choose when traveling. The Visa Signature card also has no annual fee.

Want a card that offers points for every purchase?
Choose the Visa Platinum card.

 

The new Visa Platinum card3 is for members who want a rewards program that helps them earn points for travel, merchandise, or gift cards. The Platinum card dovetails with our LinkRewards program to help members earn rewards points they can use to purchase services or gifts from our rewards store. The Visa Platinum card has no annual fee.

 

Want a card that can help you build or rebuild your credit?
Choose the Visa
Direct card.

 

With a low credit limit and fully or semi-secured options, the Visa Direct card4 can help members who are struggling with credit, young people striking out into the credit world for the first time, or those who have moved from overseas and need to establish new credit history. It has a $25 annual fee, which is waived the first year and will be waived thereafter when you conduct $1,000 or more in transactions over a 12 month period. The Direct card does not tie into a rewards program.

 


We’ve made it easy to transfer your balances from higher-rate cards

 

No matter which card you choose, get 0% APR5 on purchases and balance transfers for the first 6 months, with no balance transfer fee.6 After that, the variable APR will be 9.5%–18% depending on your creditworthiness and credit card type.

With a balance transfer, you get the benefit of our new cards before you even make any purchases. Our low rates after the introductory period plus the other features of our cards, such as FICO® scores and Card Lock, make Signal credit cards keep their value over time. The benefits that come from credit union membership just got even better!

To apply for a balance transfer, contact our Consumer Lending Department at 301-933-9100, ext. 105 or email consumerlending@signalfinancialfcu.org.


All new cards can be managed with the Card Lock app

 

All of the new credit cards come with access to the Card Lock mobile app for improved security. Card Lock allows you to lock or unlock your credit card. If you lose your wallet, or leave your card somewhere, now you can lock it until you find it again, and avoid needing to cancel the card until you know for sure it’s been compromised.

Card Lock also allows you to set restrictions on transactions that can be done with your credit card. For instance, you can set international or online transactions to be declined, or set a geographic area outside of which all transactions will be declined.

Besides allowing you to restrict use of your card, Card Lock also allows you to create alerts for activity on your card, so you can be alerted quickly in case of unauthorized transactions.

Learn more


See your FICO® Score on your statement

 

Credit card holders can now see their FICO® Scores right on their credit card statements, and in their eBanking account on the credit cards tab. The score we show is the same one we use to manage your account once you’ve become a member, and is updated quarterly. This new feature allows members with credit cards to stay up to date with their credit score.

Check your score several months before you plan to apply for a large loan such as a mortgage or auto loan. Checking regularly will help you understand your credit and how it might affect your financial life. We recommend that members also request a free copy of their credit report every year at annualcreditreport.com.

Click below to learn more about how this free service works, how FICO® Scores are calculated, and how they are used. Get even more details at ficoscore.com/info.

LEARN MORE


 

Credit card rates and features

Rates, terms, and features shown are effective as of October 1, 2017.

 

 

VISA® Direct4

APPLY NOW

VISA® Platinum3

APPLY NOW

VISA® Signature1

APPLY NOW

Annual Percentage Rate (APR)

Currently 18.00%
(Prime Rate + 15.00%)

Variable
(Prime Rate + margin, currently 5.50% – 15.00%, depending on creditworthiness)

 Variable
(Prime Rate + margin, currently 6.50% – 15.00%, depending on creditworthiness)

Promotional APR

0% for the first 6 months on purchases, cash advances, and balance transfers5

0% for the first 6 months on purchases, cash advances, and balance transfers5

0% for the first 6 months on purchases, cash advances, and balance transfers5

Credit Limit

$500 to $1,000

$1,001 to $30,000

 $5,000 to $30,000

Annual Fee

None the first year. Each year thereafter, $25 per year. Annual fee is waived for members who conduct a minimum of $1,000.00 in transactions over a 12 month period.

No Annual Fee

 No Annual Fee

Foreign Transaction Fee

1% of transaction amount

1% of transaction amount

None

Balance Transfer Rate

0% for first 6 months; then reverts to standard card rate5

0% for first 6 months; then reverts to standard card rate5

 0% for first 6 months; then reverts to standard card rate5

Balance Transfer Fee

None for first 6 months after card opening6

None for first 6 months after card opening6 None for first 6 months after card opening6

Cash Advance Rate

Standard card rate

Standard card rate Standard card rate

Cash Advance Fee

$10 or 2.5% of the advance (whichever is greater)

$10 or 2.5% of the advance (whichever is greater)

$10 or 2.5% of the advance (whichever is greater)

Rewards Points

YES7

Cash Back

YES2

Card Lock

YES

YES

YES

FICO® Score

YES8

YES8

YES8

24/7 Customer Service

YES

YES

YES

Auto Rental Collision Damage Waiver

YES (see Guide to Benefits) YES (see Guide to Benefits) YES (see Guide to Benefits)

Travel and Emergency Assistance Services

YES (see Guide to Benefits) YES (see Guide to Benefits) YES (see Guide to Benefits)

Roadside Dispatch

YES (see Guide to Benefits) YES (see Guide to Benefits) YES (see Guide to Benefits)
 Rates and terms are subject to change without notice. See disclosures below for more information.
 

Manage your credit card account online

From checking your balance to ordering a custom card design, disputing transactions, checking your credit score, and making payments, you can manage your credit card account in just a few clicks. 

Use the link below to register for online access to your Visa card account:

Register for Visa Online Access

Once you’re registered, get easy access through Single Sign-On in eBanking:

  1. Log into eBanking and click on the Credit Cards tab.
  2. To activate Single Sign-On, follow the prompts for the short one-time registration process.
  3. A new window will open to Visa Online Access. (You may need to allow pop-ups in your browser.)
  4. Once you register your card for Single Sign-On, you may access it easily any time you’re logged into eBanking.

Alternatively, use the button below or the link on the home page to log into Visa Online Access directly.

VISA Login


Visa Purchase Alerts

Visa Purchase Alerts Quick Guide

Signal Financial members who have Visa debit or credit cards may set up purchase alerts for their cards. Be notified when a purchase made with your card:

  • was above a certain dollar amount
  • was made outside the US
  • was made online or over the phone

Purchase alerts can notify card holders almost immediately when their card has been used without authorization, and help reduce fraud, which is a good thing both for members and for the credit union.

Please read our quick reference guide, linked above, for instructions. Or click the link below to go straight to the Visa website and start setting up alerts right away.

https://usa.visa.com/pay-with-visa/featured-technologies/purchase-alerts.html


Visa Auto Pay

This free service allows you to set up automatic monthly payments to your Visa credit card through a Signal Financial checking or savings account.

  • Payment options: minimum balance, partial payment or balance in full
  • Payments are made the 20th– 26th each month, or the next business day
  • Call (301) 933-9100, ext. 298 to get started 


 

1 There are no annual fee and no foreign transaction fee for the Signal Visa Signature card. Annual Percentage Rate (APR) may vary. The interest rate for purchases and cash advances is determined by the Prime Rate published in the Money Rates section of the Wall Street Journal. If the prime rate has changed on the last day of the quarter, your APR will change within the first fifteen (15) days of the next quarter. Minimum interest rate is 10.25%; maximum interest is 18.00%. Interest rates for the Signal Visa Signature card consist of the Prime Rate + margin, and depend on the member’s creditworthiness. As of 10/1/2017, rates range from 10.25%–18%. Rates and fees are subject to change at any time.

2 Signal Visa Signature card holders will earn 1% cash back on all purchases. Cash back is credited to your credit card account at the end of each billing cycle. If your cash back amount is higher than your credit card balance, the difference will be credited to your checking or savings account.

3 There is no annual fee for the Signal Visa Platinum card. A foreign transaction fee equal to 1% of the transaction amount will be applied to foreign transactions made with the Signal Visa Platinum card. Annual Percentage Rate (APR) may vary. The interest rate for purchases and cash advances is determined by the Prime Rate published in the Money Rates section of the Wall Street Journal. If the prime rate has changed on the last day of the quarter, your APR will change within the first fifteen (15) days of the next quarter. Minimum interest rate is 9.25%; maximum interest is 18.00%. Interest rates for the Signal Visa Platinum card consist of the Prime Rate + margin,  and depend on the member’s creditworthiness. As of 10/1/2017, rates range from 9.25%–18%. Rates and fees are subject to change at any time.

4 The annual fee for the Signal Visa Direct card is waived the first year. The fee imposed each year thereafter is $25. The annual fee is waived each year for Signal Financial FCU members who conduct a minimum $1,000 in transactions over a 12-month period. A foreign transaction fee equal to 1% of the transaction amount will be applied to foreign transactions made with the Signal Visa Direct card. Annual Percentage Rate (APR) may vary. The interest rate for purchases and cash advances is determined by the Prime Rate published in the Money Rates section of the Wall Street Journal. If the prime rate has changed on the last day of the quarter, your APR will change within the first fifteen (15) days of the next quarter. Minimum interest rate is 11.75%; maximum interest rate is 18.00%. Interest rates for the Signal Visa Direct card consist of the Prime Rate + margin. As of 10/1/2017, the rate is calculated in the following manner: Prime Rate + 15.00%. Rates and fees are subject to change at any time.

5 APR = Annual Percentage Rate. 0% APR on all purchases and balance transfers for the first 6 months after card opening. This offer applies to Direct, Platinum and Signature credit cards opened after 10/1/17 only. Classic or Platinum cards opened before 10/1/17 do not qualify. Rate will revert to the standard rate, 9.5%–18% depending on creditworthiness and credit card type, after the first 6 months. A foreign transaction fee of 1.00% applies to all credit cards except Visa Signature.

6 No balance transfer fees will be charged for the first 6 months after card opening. After 6 months, a fee of $10 or 2.5% of the transfer (whichever is greater) will apply.

7 Members who opened a Signal Visa Platinum card on or after October 1, 2017 may earn LinkRewards credit card points. Earn 1 point for every $1 in purchases, including online transactions. That’s twice as many points for each purchase as earned with the old Platinum card, so your rewards points accumulate faster. And since LinkRewards points are valid for 5 years, instead of the 3 years with our old rewards program, you’ll be able to purchase more high-points items with them. LinkRewards credit card points are only available to members who open a Visa Platinum credit card after October 1, 2017. Visa Platinum credit card holders whose cards were opened before October 1, 2017 must request an upgrade to the new Platinum card in order to participate in LinkRewards and earn LinkRewards credit card points. Existing Platinum cards will not be automatically upgraded and existing Platinum cardholders will not be able to participate in the LinkRewards program unless they upgrade to the new Platinum card. Existing Platinum cardholders who do not upgrade their credit card may continue to participate in the CURewards program until further notice. If you have a Visa Platinum credit card that was opened before October 1, 2017, call us at 301-933-9100, ext. 298 to request an upgrade and begin earning LinkRewards points. If you choose not to upgrade at this time, our old rewards program will remain available to you, but without the extended time period for points to be used, expanded points store, or the other new features.

8 Credit cardholders can now see their FICO® Scores right on their credit card statements, and in the online credit card management site (Visa Access Point), accessible on the Credit Cards tab in eBanking. The score we show is the same one we use to evaluate your credit when you apply for a loan, and is updated quarterly. This feature allows members with credit cards to stay up to date with their credit score. Scores are updated quarterly. The score shown is that of the primary account holder.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Signal Financial Federal Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Signal Financial Federal Credit Union and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.