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Service CU Visa® Everyday Starter Credit Card

Build credit with no annual fee*, no penalty APR increases, and all the essentials to get going.
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A Smart Start to Building Credit

If you're just starting out, it can feel like the odds are stacked against you. No credit history means fewer options and more uncertainty.

That’s where the Service CU Visa® Everyday Starter Credit Card comes in. With a manageable $1,000 limit, no annual fee*, and no hidden APR increases for late payments*, this card helps you establish credit without stress.

Make on-time payments, use your card responsibly, and watch your credit score grow. We'll support you so you can open financial doors now and in the future.

Everyday Benefits with Zero Surprises

No Annual Fee*

No Annual Fee*

Keep more in your wallet. No membership or maintenance fees. Ever.*
No Hidden APR Hikes

No Hidden APR Hikes

Life happens. We don’t penalize you with rate spikes for late payments.*
Travel Emergency Help

Travel Emergency Help

Need help while abroad? Get expert assistance through Visa’s Travel Services.
Fast Card Replacement

Fast Card Replacement

Lose your card? Get a new one in 1–3 business days.*
Contactless Checkout

Contactless Checkout

Tap to pay anywhere Visa is accepted. It’s safe, secure, and touch-free.
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Rates That Stay Clear and Consistent

No teaser rates. No penalty pricing. Just fair, straightforward terms that support your credit journey.
18.00
% Variable APR
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Service CU Visa® Everyday Starter Credit Card FAQs

Will my APR go up if I pay late?
Nope. There are no hidden APR hikes for late payments.*
What if I lose my credit card?
We’ll partner with Visa to issue a replacement within 1–3 business days.*
Does it offer contactless payments?
Yes! Just tap to pay wherever Visa is accepted.
Are there any hidden fees?
No annual fee. No foreign transaction fees. Other minor service fees may apply (see disclosure below).*
What’s the APR?
The variable APR is 18.00%, based on your creditworthiness.*
Is this card right for beginners?
Absolutely. It's built for people with no credit history and designed to help you establish one.
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*Annual Percentage Rates (APR) are 18.00%; accurate as of 03/16/2025 and subject to change without notice. APR is variable and based on your creditworthiness. Cash advance fee and balance transfer fee is 1.00% of the amount of each transaction. Returned payment fee is $20, or the amount of the required minimum payment, whichever is less. Standard card replacement fee is $9. If expedited, card replacement fee is $75 in the U.S. and up to $150 overseas. There is a document copy fee of $15. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.