Visa Credit Cards
Rewards and Signature Credit Card Holders
Earn 1-3 bonus points for every $1 spent at eligible travel, retailers, electronics, airlines and gas merchants.
Earn 3 extra points per $1 spent on Amazon & Value Retailers (total of 4 points).
Earn 2 extra points per $1 spent on Electronics, Air Travel (total of 3 points).
Earn 1 extra point per $1 spent on Gas, (total of 2 points).
*Earn 1-3 bonus points when you use your SWACU Rewards and Signature Visa® Credit Card at eligible merchants. Earn a total of 4 points for every $1 spent at following types of stores: Amazon and Value Retailers. Earn a total of 3 points for every $1 spent at Electronics and Air Travel. Earn a total of 2 points for every $1 spent on gas (paying at the pump only). Rewards are earned on eligible purchases. "Eligible purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, Visa® Prepaid Cards, and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Redeem rewards in online banking via CURewards. Offer valid 11/1/24-12/31/24. S
We know using one of our Visa Credit Cards will provide the convenience and security to make purchases, pay bills or get cash. The SWACU Visa Credit Card offers a Variable Rate making our card one of the most competitively priced cards in the marketplace. All three of our cards offer:
- 0% Introductory APR* for the first 12 billing cycles on new purchases and balance transfers
- EMV chip technology for added security
- Options for incentive pricing and special offers from SWACU
From our no-frills low-interest Platinum card to our cash-back and reward points Signature card, we’ve got you covered!*
- No Annual Fee
- 0% APR on new purchases for first 12 months
- 0% APR on Balance Transfer for 12 months with 2.99% balance transfer fee
- Loan Protection
- Competitive rate
- Added security with EMV chip technology
- Great first credit card
- 24-hour access account information (via SWACU Home Banking)
- No Annual Fee
- 0% APR on new purchases for first 12 months
- 0% APR on Balance Transfer for 12 months with 2.99% balance transfer fee
- Loan Protection
- Competitive rate
- Added security with EMV chip technology
- Earn one reward point for every dollar spent
- Bonus points on NEW Rewards Credit Cards**
- Generous Credit Limit
- Unlimited Point Caps
- 24-hour access account information (via SWACU Home Banking)
- No Annual Fee
- 0% APR on new purchases for first 9 months
- 0% APR on Balance Transfer for 12 months with 2.99% balance transfer fee
- Loan Protection
- Competitive rate
- Added security with EMV chip technology
- Cash-back or reward points
- Earn two points on travel, one reward point on all other categories.
- Bonus points on NEW Signature Credit Cards**
- Generous Credit Limit
- Unlimited Point Caps
- 24-hour access account information (via SWACU Home Banking)
Interest Rates and Disclosures
*New offers apply to new Visa® cards only. To take advantage of new credit card program, you must apply for a new card. New Account bonuses do not apply for credit card upgrades. APR=Annual Percentage Rate.
**New Account Bonus:
Rewards Visa Card: 10,000 bonus points if $1,000 spent in first 90 days; 1500 bonus points with $5,000 spent in calendar year; 1,500 additional points if $10,000 spent in same calendar year.
Signature Visa Card: 25,000 bonus points if $2,000 spent in first 90 days, 2,500 bonus points with $5,000 spent in calendar year. 2,500 additional points if $10,000 spent in same calendar year.
Loan approval and APR based on creditworthiness, payment method and ability to repay. Rates, terms, and conditions are subject to change.
Fee schedule. Fees subject to change.
Balance Transfers must be made in the first 90 days of opening.
The information about costs of the Card is accurate as of the effective date shown below. You can call or write Southwest Airlines Federal Credit Union, PO Box 35708, Dallas, TX 75235, (214) 357-5577, (800) 262-5325 to inquire if any changes have occurred since the effective date.
How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Method of Computing the Balance for Purchases: Average Daily Balance (including new purchases).
INTEREST RATE AND INTEREST CHARGES
PURCHASE ANNUAL PERCENTAGE RATE (APR) |
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Platinum Visa Card |
0% Intro APR for the first 12 billing cycles that your account is open.* After that, your APR will be 12.75% to 18.00%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a |
|
Rewards Visa Card |
0% Intro APR for the first 12 billing cycles that your account is open.* After that, your APR will be 13.75% to 18.00%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a |
|
Signature Visa Card |
0% Intro APR for the first 9 billing cycles that your account is open.* After that, your APR will be 15.75% to 17.75%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a |
|
BALANCE TRANSFER APR |
0% Intro APR for the first 12 billing cycles that your account is open. Balance Transfers must be made in the first 90 days of account opening. |
|
CASH ADVANCE APR |
18.00%. | |
HOW TO AVOID PAYING INTEREST ON PURCHASES |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by
the due date each month.
|
|
MINIMUM INTEREST CHARGE |
None | |
CREDIT CARD TIPS FROM THE CONSUMER FINANCIAL PROTECTION BUREAU |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau. | |
Fees
Card |
Visa Platinum |
Visa Rewards |
Visa Signature |
ANNUAL FEE |
None |
None |
None |
Transaction Fees
Card |
Visa Platinum |
Visa Rewards |
Visa Signature |
BALANCE TRANSFERS |
2.99%b |
2.99%b |
2.99%b |
FOREIGN TRANSACTIONS |
2% |
2% |
0% |
CASH ADVANCES |
$10 Minimum or 2% of total withdrawn |
$10 Minimum or 2% of total withdrawn |
$10 Minimum or 2% of total withdrawn |
Penalty Fees
Card |
Visa Platinum |
Visa Rewards |
Visa Signature |
LATE PAYMENT |
If more than 10 days late, you will be charged 20% of the minimum payment due up to $38. |
If more than 10 days late, you will be charged 20% of the minimum payment due up to $38. |
If more than 10 days late, you will be charged 20% of the minimum payment due up to $38. |
OVER-THE-CREDIT LIMIT |
None |
None |
None |
RETURNED PAYMENT |
$30 |
$30 |
$30 |
RETURNED CHECK |
$30 |
$30 |
$30 |
*New offers apply to new Visa® cards only. To take advantage of new credit card program, you must apply for a new card. New Account bonuses do not apply for credit card upgrades.
Prime Rate: Variable APRs are based on the 7.75% Prime Rate as of 11/12/2024.
aWe add 5.00% to 13.00% to the Prime Rate to determine the Purchase APR. Maximum APR 18.00%.
bBalance Transfers must be made in the first 90 days of account opening.
*APR=Annual Percentage Rate
