World Mastercard® Credit Card | Cash Back Rewards

More cash back plus money-saving rates equals a world-class card.

Easy money

Get cash back when you use your card to make payments.

Cost savings

Start with a special purchase offer, and keep saving with a competitive long-term rate.

No annual fee

Take advantage of everything Mastercard^® offers without paying a maintenance cost.

24/7 protection

Cardholders Services is always available to assist if you suspect identity theft.

Life costs less with zero.

We can start from the beginning. You pay 0% APR¹ for six months on purchases made in the first 60 days of opening a South Carolina Federal Credit Union World Mastercard^®. (Variable APR ranging from 14.99% to 17.49% applies thereafter.²) What lasts forever is a rewards plan that pays 1.5% cash back³ on all purchases, giving you more money for everyday needs and everything else in your world.

No annual fee.
APR as low as Prime Rate plus 8.99%.²
Get a $150 bonus if you spend $1,500 in the first 90 days.⁴
Credit limits starting at $2,500.
Mastercard^® ID theft protection offers 24/7 help if your card has been compromised.

Mastercard^® Zero Liability means you are not responsible for unauthorized purchases.
Cardholder Services can quickly replace lost cards and provide fast assistance on other card matters.
Compare your credit card options.

View credit card rates

	Platinum Mastercard^®	Platinum Cash Rewards Mastercard^®	World Mastercard^®
APRs for purchase/balance transfers as low as	14.74%	15.74%	16.74%
APRs for cash advances	17.99%	17.99%	17.99%

Planning a big purchase? Calculate your payoff.

Mastercard Guide to Benefits Report Lost or Stolen Cards Dispute a Transaction Call to Report Credit Card Fraud uChoose Rewards Program Using Cards Outside the United States Other FAQs Manage Your Cards

Get a World Mastercard^®.

Make an Appointment

Apply Online

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Frequently
asked questions

How do I redeem points for merchandise?

Premium Checking account holders can redeem points for rewards online.

To redeem points online:

Visit www.uChooserewards.com.
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 www.uChooserewards.com.

What should I do if my card is lost or stolen?

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.

Can I use my card outside the U.S.?

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.

How do I transfer funds from my credit card?

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.

What can I do to protect my credit card information?

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.

What is a finance charge and when does it occur?

A finance charge is determined by applying your monthly periodic rate to the average daily balance in a billing cycle.
Finance charges are charged on any amount of the “new balance” on your credit statement that is not paid by the due date printed on the statement.

How do I make a credit card payment?

We offer several options to make your credit card payments:

Log into Online Banking to transfer a payment.
Mail a payment to us.
Make payments at a financial center through a:
- Cash advance
- Personal check
- Certified check or money order
- Cash, or
Contact us to make a payment by phone.

Payments reflect on your credit card account within 2 business days after the payment has been made. ^mobileSouth Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates test.

How do I get a copy of my credit card statement?

Online:

Go to Online Banking
Click "Fiserv Online Account Management"
Click "Account Information"
Click "Account History"

Why is a pending transaction different than the actual amount?

An authorization may vary from the final purchase amount in situations where there is an estimated authorization amount or a tip is involved.

Example: At a restaurant, an authorization is requested prior to a tip being added. The final purchase amount will include the tip.
Example: At the gas pump, an initial authorization is requested prior to dispensing fuel and determining the final amount of the purchase. Many pay-at-the-pump gas purchases are initially authorized for $1 no matter the final purchase amount.
Example: At a hotel, an authorization in the amount equal to the entire stay plus an estimated amount for incidentals may be made. This can also be true of cruise lines and car rental companies.

How do I file a card dispute?

Before filing a dispute, contact the company who processed the item to resolve with them. They may require you to supply proof of the charge such as:

A receipt
A copy of your account history or
Statement

If you cannot reach a resolution with the merchant, you have 60 days from the statement date of which the transaction occurred to file a dispute.

For Debit Card disputes:

Visit a local financial center to fill out a dispute form or Contact Us to request a dispute form mailed.

For Credit Card disputes:

Contact Cardholder Services at 843-797-8300.
Visit a local financial center to fill out a dispute form.

After the dispute form is submitted:

The dispute form is forwarded to our card processor for investigation.
For Credit Cards, interest will not be charged on the amount disputed.
You may be contacted by our credit card processor through the mail if more information is required.
Follow all instructions on letters from the credit card processor promptly. If the forms are not completed and returned, the dispute will be closed.

What should I do if my credit card is damaged?

For damaged credit cards:

Sign in to Online Banking.
Click on credit cards.
Click on Manage card.
Click on Replace card.

How do I register for uChoose Rewards?

Enroll your debit (if you have Premium Checking) at uChooseRewards.com. Points can be redeemed for merchandise, travel, activities and more.

Lending made personal.

Budget-friendly financing solutions for large expenses, big plans, building credit and more.

Personal Loans & Lines of Credit

APRs accurate as of 6/1/2023. Up to 2% Foreign Transaction Fee applies to Platinum Mastercard and Platinum Cash Rewards Mastercard. Balance Transfer Fee is 3% per transaction. Terms and Conditions subject to change without notice. Subject to credit approval.

Introductory APR will apply for 6 months to the balance of the purchases made within the first 60 days of card opening. After 6 months, your qualifying rate will apply to any remaining balance.

Rates based on creditworthiness and vary with the market based on the Prime Rate as covered in the Finance Charge section of your Agreement.

Please refer to your Credit Card Agreement for details and limitations on Rewards.

Offer valid only on purchases. Amount will be applied to your cash rewards balance within 90 days.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

This Platinum Credit Card Agreement and Disclosure, Cash Rewards Credit Card Agreement and Disclosure and World Credit Card Agreement and Disclosure reflects the provisions of the agreement and the pricing information in effect as of the date on the Agreement & Disclosure. Any agreements posted with the CFPB may reflect terms from the prior calendar quarter, which are no longer in effect.