Credit Cards

Our credit cards turn every purchase into a rewarding experience.
0% intro APR¹ on credit card purchases.
For 6 months made within the first 60 days of card opening.
(Variable APR ranging from 14.99% to 17.99% thereafter²)
Choosing a credit card can be confusing.
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One way to offset rising costs is to choose a card with our most consumer-friendly interest rates.

  • Our lowest interest rate available.
  • Earn points, go shopping for rewards.

With every card purchase, you can earn cash back through our special program.

  • No annual fee.
  • Mastercard ID theft protection.

World-class features start with our most generous cash-back rewards program and include a comforting range of security safeguards.

  • 1.5% back for each dollar spent.3
  • Mastercard Zero Liability protection.
Platinum Mastercard® Platinum Cash Rewards Mastercard® World Mastercard®
APRs for purchase/balance transfers as low as14.74%15.74%16.74%
APRs for cash advances17.99%17.99%17.99%
UChoose Rewards Program

Enjoy a tremendous rewards program from you soon-to-be favorite credit card.

Manage Your Cards
Take control of how your South Carolina Federal Credit Union cards are used.
Mastercard® Guide to Benefits
Detailed information about the benefits you can access as a preferred cardholder.
Make informed financial decisions with helpful resources.
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Premium Checking account holders can redeem points for rewards online.

To redeem points online:

  • Visit

  • Select the “Merchandise” link to view the merchandise catalog.

  • Add the desired merchandise awards to your shopping cart for redemption.

  • Click on the "Proceed to Checkout" button to place your order online.

  • Enter your name, shipping address and a telephone number and click "Transmit Order" to submit your order.

  • You will receive a confirmation number after your order has been submitted.

Keep records of your order until you receive your award merchandise. Points can be redeemed for travel awards online or via phone.

Travel awards that can be redeemed through the uChoose Rewards Travel Agency include:

  • Airline tickets

  • Hotel certificates

  • Car certificates

  • Vacation packages

  • Experiences

  • Cruises

To redeem points, visit

For lost or stolen cards:

Turn your card off/on and report it as lost or stolen using Online or Mobile Banking. Simply log in, click on "Manage Cards" in Online Banking or "Cards" in Mobile Banking, and follow the prompts to close your credit card and request a new one.

Or you can call Cardholder Services at (855) 325-0904.

Once your card has been cancelled, a new one will be mailed to you in 7-10 business days.
Check your account to ensure there are no unauthorized transactions.

Keep your cards open by informing us in advance

Remember to advise the Contact Center when your plans include travel outside the United States.

Call (843) 797-8300 (Charleston) or (800) 845-0432 (Nationwide) or visit a financial center.
With 7-10 days’ notice, we can open your credit and debit cards for international transactions.

Transfers from your credit card, commonly known as a cash advance can be done in the following ways:

• Visit a local branch with your credit card to make a cash advance.
• Request convenience checks at a local financial center or Contact Us

It is important to monitor your credit card statements on a monthly basis to ensure that they are correct and that there are no fraudulent charges on your account. There are many ways to help ensure that your information is safe:
  • Only buy from reputable online merchants.
  • Never disclose your credit card number to anyone that calls and asks for it.
  • If your contact information changes, contact us as soon as possible to have it updated. This ensures that we can notify you quickly if suspicious activity is suspected on your account.
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