It’s all about choice.
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 credit cards, call us at 301-933-9100, ext. 105.
Want a card that offers cash back on every purchase?
Choose the Signature card. The new Signature Visa® card1 is for members looking for cash back rewards. Get 2% cash back on all purchases, every day.2 Plus, for the first 12 months, you’ll get 5% promotional cash back on home-related purchases. There is no foreign transaction fee and no annual fee.
Want a card that offers points for every purchase?
Choose the Platinum card. The Platinum Visa® 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 Platinum card has no annual fee.
Want a card that can help you build or rebuild your credit?
Choose the Direct card. With a low credit limit and fully or semi-secured options, the Direct Visa®card4 can help members who are looking to rebuild their credit, young people who are establishing credit 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 for 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.
Credit card rates and features
|Annual Percentage Rate (APR)||Variable; currently 18.00%|
(Prime Rate + 15.00%)
|Variable; currently 8.75% – 16.75% |
(Prime Rate + margin, currently 5.50% – 13.50%, depending on creditworthiness)
|Variable; currently 9.75% – 11.75% (Prime Rate + margin, currently 6.50% – 8.50%, depending on creditworthiness)|
|Introductory APR||0% for the first 6 months on purchases, cash advances, and balance transfers5, then a variable card rate of 18.00%||0% for the first 6 months on purchases, cash advances, and balance transfers5, then a variable card rate of 8.75% – 16.75%||0% for the first 6 months on purchases, cash advances, and balance transfers5, then a variable card rate of 9.75% – 11.75%|
|Credit Limit||$500 to $1,000||$1,000 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 card rate5||0% for first 6 months; then reverts to card rate5||0% for first 6 months; then reverts to 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||0% for first 6 months; then reverts to card rate5||0% for first 6 months; then reverts to card rate5||0% for first 6 months; then reverts to card rate5|
|Cash Advance 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|
|24/7 Customer Service||YES||YES||YES|
|Travel and Emergency Assistance Services||YES||YES||YES|
Note: Rates, benefits, and terms are subject to change without notice. Not all applicants will qualify for the lowest rate. See disclosures below for more information.
We’ve made it easy to transfer your balances from higher-rate cards
Balance transfers are easy, no matter which credit card you have. As an introductory offer, make no fee balance transfers6 for the first 6 months after card activation. For transfers made after that, a fee of $10 or 2.5% of the transfer (whichever is greater) will apply.
You’ll also get a promotional APR5 of 0% on transferred balances for the first 6 months after the transfer6. The standard variable rate for your card will apply to any remaining transferred balance after 6 months. This offer is available throughout the life of your card.
To start a balance transfer, contact our Digital Member Support Department at 301-933-9100 or email firstname.lastname@example.org. If you already have a Signal Financial credit card, log into eBanking, click on the Credit Card tab, and then use the Services menu to choose Balance Consolidation.
All new cards can be managed with the Card Lock app
All of Signal’s 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.
See your FICO® Score
Credit card holders can now get quarterly updates on their FICO® Scores. To view your score, log into eBanking, click on the Credit Card tab, and then click on the FICO® Score button.
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.
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:
Once you’re registered, get easy access through Single Sign-On in eBanking:
- Log into eBanking and click on the Credit Card tab.
- To activate Single Sign-On, follow the prompts for the short one-time registration process.
- A new window will open to VISA Access Point. (You may need to allow pop-ups in your browser.)
- 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 Access Point directly.
Visa Purchase Alerts
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.
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
Rates, Disclosures, and Resources
1 Annual Percentage Rate (APR) for the Signature Visa credit card may vary and not all applicants will qualify for the lowest rate. 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 for the Signature Visa is 9.75%; maximum interest is 11.75%. Interest rates for the Signature Visa card consist of the Prime Rate + margin and depend on the member’s creditworthiness. Rates, benefits, and fees are subject to change at any time without notice. Cash back benefits apply only to purchases made with the member’s Signature Visa credit card. Member must be in good standing to receive cash back benefits. Cash back will be removed from the member’s account if the qualifying purchase is returned/refunded. Cash back is credited to the member’s credit card account at the end of each billing cycle.
2 2% cash back is a standard feature of the Signature Visa credit card and applies to all valid purchases made with a Signature Visa credit card, subject to other restrictions, starting April 8, 2019. Promotional 5% cash back offer available on new Signature Visa credit cards for the 12 months after card activation. For existing cardholders, 5% cash back offer is available from April 8, 2019 to April 7, 2020. After 12 months, cash back returns to the standard cash back rate of 2% for all purchases. 5% cash back will be credited to the member’s credit card account for purchases made at qualifying merchants in the categories of home improvement, home decor, and home repair. Cash back is credited to your credit card account at the end of each billing cycle.
3 There is no annual fee for the Signal Platinum Visa card. A foreign transaction fee equal to 1% of the transaction amount will be applied to foreign transactions made with the 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 8.75%; maximum interest is 16.75%. Interest rates for the Platinum card consist of the Prime Rate + margin, and depend on the member’s creditworthiness. Rates, benefits, and fees are subject to change at any time.
4 The annual fee for the Signal Direct Visa card is waived the first year. The fee imposed each year thereafter is $25. The annual fee is waived each year for cardholders who conduct a minimum $1,000 in transactions using the credit card 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 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. Interest rate is 18.00%. Interest rates for the Direct card consist of the Prime Rate + margin. The rate is calculated in the following manner: Prime Rate + 15.00%. Rates, benefits, and fees are subject to change at any time.
5 APR = Annual Percentage Rate. 0% APR on all purchases, balance transfers, and cash advances for the first 6 months after card activation. Rate for any remaining purchase, transfer, or cash advance balance will revert to the card’s variable rate, 8.75%–18% depending on creditworthiness and credit card type, after the first 6 months. Rates and fees are subject to change at any time without notice. Refer to your most recent statement for your current standard variable rate. A foreign transaction fee of 1.00% applies to all credit cards except Signature.
6 No balance transfer or cash advance fees will be charged for the first 6 months after card activation. For any new balance transfers or cash advances initiated 6 months or more after card activation, a fee of $10 or 2.5% of the transfer/advance (whichever is greater) will apply.
7 Members with a Signal Platinum Visa card will earn LinkRewards credit card points. Earn 1 point for every $1 in purchases, including online transactions. LinkRewards points are valid for 5 years.
8 Credit cardholders can now see their FICO® Scores in the online credit card management site (Visa Access Point), accessible on the Credit Card 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. 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.