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Service Federal Credit Union credit cardChecked Oct 10, 2026Updated Our illustration, not the card’s design

Service FCU Visa Signature Everyday Elite

15,000 points welcome bonus. No annual fee.

Welcome offer
Annual fee
Purchase APR
Foreign transaction fee
Read the card agreementRates and fees

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What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender$330$180
Typical spender$600$450
Heavy spender$1,140$990
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards

How it compares

  • Worth more to a typical spender than about 90% of the 647 cards we track.
  • No annual fee, like about 85% of the 623 cards we track.
  • Lower top APR than about 85% of the 119 cards on our Sign-up bonuses list (see the list).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Welcome offer

15,000 points

Spend $1,500 or more in purchases

Spending must occur within the first 60 days of account opening. Bonus points are added to the uChoose Rewards points balance within 30 days after reaching the required purchase amount. New cardholder and uChoose Rewards registration requirements apply.

  • Smaller than about 75% of the 29 other points bonuses we track.

Before you apply

  • What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  • Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

How you earn · uChoose Rewards

  • 1.5× pointsEverything else

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Foreign transactions
Grace period
Minimum interest charge

Carrying a balance? See how long it takes to pay off

Benefits

  • Visa Signature travel and emergency assistance services
  • Emergency card replacement
  • Cell phone
  • Extended warranty: Up to one extra year
  • Purchase protection: $10,000

Questions

What is the annual fee?
None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
What is the purchase APR?
17.65–18.00% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?
15,000 points after $1,500 in purchases. servicecu.org, since Oct 10, 2026

Other points cards with no annual fee

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).