Credit Cards

South Metro offers various options for credit cards to use easily and securely.

VISA Credit Cards

Four VISA Card Options – Pick the One that Fits Your Lifestyle!

VISA Start Here Card

Start Here/Start Here Secured

14.65% APR*

Start Here to build or rebuild your credit
Cards are available either unsecured or secured

  • No Annual Fee
  • Online and Mobile Account Management
  • Competitive Rate
  • EMV Chip Security
  • No Balance Transfer Fee
  • Convenience Checks Available

Apply Online.

This APR* will vary with the market based on the Prime Rate. Prime + 9.9%

VISA Rewards Card

Rewards

10.65% APR*

Earn rewards or 1% cash back on purchases
Easy redemption of Cash, certificates or merchandise from UChoose Rewards®.

  • No Annual Fee
  • Online and Mobile Account Management
  • Competitive Rate
  • EMV Chip Security
  • No Balance Transfer Fee
  • Convenience Checks Available

Apply Online.

This APR* will vary with the market based on the Prime Rate. Prime + 5.9%

VISA Platinum Preferred Card

Platinum Preferred

8.65% APR*

Low introductory rate
Save with a 0% APR on purchases made in the first 90 days for 15 months.**

  • Low Competitive Rate
  • Online and Mobile Account Management
  • No Annual Fee
  • EMV Chip Security
  • No Balance Transfer Fee
  • Convenience Checks Available

Apply Online.

This APR* will vary with the market based on the Prime Rate. Prime + 3.9%

VISA Business Rewards Card

Business Rewards

10.65% APR*

Earn rewards or 1.5% cash back on purchases
Easy redemption of Cash, certificates or merchandise from UChoose Rewards®.

  • No Annual Fee
  • Online and Mobile Account Management
  • Competitive Rate
  • EMV Chip Security

Apply Online.

This APR* will vary with the market based on the Prime Rate. Prime + 5.9%

*APR = Annual Percentage Rate. The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 3.9% and 9.9% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.
**For qualifying accounts, all purchases posted to the account during the first 90 days after the account open date, up to your available credit limit, will receive a promotional 0% APR. The promotional rate will be good for 15 months. The APR for any remaining promotional balances will increase to the standard APR for purchases, and all subsequent purchases will receive the standard APR for purchases. All existing payment terms apply.

Important Phone Numbers

To report a lost or stolen Debit card, call Card Member Security at 1-888-241-2510.

To dispute a Debit card transaction, call our CO-OP Dispute Line at 1-888-662-6208.

To report a lost or stolen Credit card or to dispute a credit card transaction, call 844-845-8538. Outside the US call 240-651-7802.

More Info

Need Your Cardholders Agreement? Click here to download a copy of your VISA Cardholders Agreement.

For any other questions about your card, contact the credit union or call the VISA Service Center toll free 844-845-8538. Outside the US call 240-651-7802. You can use this number to activate your card, report it lost/stolen and to file a dispute.

Payment address is: P.O. Box 2711, Omaha, NE 68103-2711

The ScoreCard Rewards Program was replaced on January 20, 2020. ScoreCard Rewards credits will remain available for use until March 17, 2020.

VISA Gift Cards

South Metro also offers prepaid Visa gift cards*. You can use it like a credit card, but within strict spending limits. If your card is lost or stolen, you can get a replacement card at minimal cost.

Why Use a South Metro Gift Card?

  • It’s versatile. South Metro gift cards can be used anywhere you see the VISA logo.
  • It prevents identity theft. A gift card is safer to use when shopping online than a credit card or debit card.
  • It’s a great budgeting tool. Some parents give their kids an allowance in the form of monthly gift cards. You can’t “bounce” a gift card, so it’s much harder to overspend.
  • It’s safer than cash. If your card is lost or stolen, we’ll issue a replacement card at minimal cost.
  • It’s online! You can register your card and then check your balance online and more. Click here to get started.

To get your gift card, stop at your nearest South Metro branch and talk to one of our representatives today. It’s quick and easy!

Find out more.

*Fees Apply. See our Fee Schedule.

Important Phone Numbers

To report a lost or stolen Debit card, call Card Member Security at 1-888-241-2510.

To dispute a Debit card transaction, call our CO-OP Dispute Line at 1-888-662-6208.

To report a lost or stolen Credit card or to dispute a credit card transaction, call 844-845-8538. Outside the US call 240-651-7802.

Important Phone Numbers

To report a lost or stolen Debit card, call Card Member Security at 1-888-241-2510.

To dispute a Debit card transaction, call our CO-OP Dispute Line at 1-888-662-6208.

To report a lost or stolen Credit card or to dispute a credit card transaction, call 844-845-8538. Outside the US call 240-651-7802.

Reloadable VISA Cards

Meet your Wallet’s new best friend!
With a reloadable VISA Card from South Metro, it’s easy to:

  • Add money. Set up Direct Deposit, reload the card online, or stop by a South Metro branch.

  • Spend money. Reloadable VISA cards are accepted anywhere Visa is accepted.

  • Track your spending. Click here to access your balance, transaction details, monthly statements, and set up text alerts.

  • Avoid Overdraft Fees. No worries, you will never have overdrafts!

Reloadable VISA Cards are great for:

  • College Students
  • Teens
  • Travel
  • Payroll Direct Deposit

Stop in at any South Metro office to get a reloadable card. And if it’s lost or stolen, we’ll issue a replacement at minimal cost.*

Find out more.

*Fees Apply. See our Fee Schedule.

Get there. Start here.

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Routing #: 091981646  |  NMLS ID # 1059389

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