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Credit cards are more than just a way to pay for things; they can help you manage your money, build your credit, and even earn rewards. The Visa® Platinum credit card from SCCU is a great choice for anyone looking to save money and get rewarded for their spending.

In this guide, we’ll explain the benefits of having a Visa Platinum, how to earn cash back rewards, and why this card could be the perfect fit for you. Whether you’re new to credit cards or looking for a better option, the Visa Platinum has something for everyone.

Why Choose Visa® Platinum?

The Visa Platinum is designed to make your life easier and your money go further. Here are the top reasons to choose this card:

1. Earn Cash Back on Everyday Purchases

For every $1 spent with the Visa Platinum, you can earn cashback up to 2% on streaming, 1.5% on gas stations and EV charging stations, and 1% on all other purchases. This helps you get money back every time you use your card for those everyday expenses.

It’s a simple process. First, you’ll need to use your card to make a purchase. Then within 30 days, your cash back is automatically added to your SCCU savings or checking account. After that, your rewards never expire as long as your account stays in good standing.

2. Save Money with a Special Introductory Rate

When you first get your Visa Platinum card, you’ll enjoy a 0% interest rate for the first six months on purchases, balance transfers, and cash advances. After that, the card offers a low variable interest rate, which helps you save money over time.

What this really means is you can use the card to pay off high-interest debt or make big purchases without paying extra interest during the first six months.

3. No Hidden Fees

The Visa Platinum is a no-nonsense card with no annual fee, no cash advance fee, and no balance transfer fee. This means you can enjoy all the benefits without worrying about extra costs.

4. Stay Safe with Advanced Security Features

Protect your money with:

• Zero Liability Protection: You won’t have to pay for unauthorized charges if your card is lost or stolen.
• Manage Cards: Instantly turn your card off if it’s misplaced.
• Fraud Alerts: Get text alerts if there’s suspicious activity on your account.

By downloading the SCCU Mobile app to manage your card, you can easily keep track of your spending.

How to Earn and Use Credit Card Rewards

Credit card rewards are a great way to get something back for your spending. With Visa Platinum, you earn cash back rewards that you can use however you like, such as saving it, spending it, or treating yourself to something special.

Make the most of your rewards by using your card often through everyday items, paying your balance in full each month to avoid paying interest, and track your rewards with your SCCU account to see how much cashback you’ve earned. One of the easiest and most flexible types of credit card rewards are those cashback rewards.

How to Apply for Visa Platinum

Getting started with Visa Platinum is simple. First, check your credit score because having a good score can help you get approved and may qualify you for a higher credit limit. Next, gather your information and be ready to share details about your income and expenses.

Lastly, apply online or in-person by visiting SCCU’s website or your local branch to complete the application. Once you’re approved, you’ll receive your Visa Platinum card and start enjoying its benefits right away.

Why Visa Platinum is the Right Choice

Serving as more than just another credit card, it’s a tool to help you save money, earn rewards, and manage your finances. With no hidden fees, cash back rewards, and advanced security features, it’s a smart choice for anyone looking to get more out of their spending.

If you’re ready to take control of your finances and start earning rewards, the Visa Platinum credit card from SCCU is here to help. Apply now and discover how easy it is to save money and enjoy the benefits of smarter spending.