Which is better: Visa Platinum or Visa Signature?
Ultimately, the winner of the credit card comparison between a Visa Platinum and Visa Signature depends on your overall goals and interests:
Team Visa Signature:
Best for those who are looking for a higher credit line and who like to travel and redeem points for cash back, exclusive products, and experiences. So, if you’re interested in potentially saving more money on deals and offers, this card has your name on it.
Team Visa Platinum:
Best for those who prefer cash back over other types of rewards programs. Plus, if you tend to carry a balance, you could save more money with a lower rate.
You could have both types of credit cards as long as you meet each card’s standard guidelines and creditworthiness, as well as the overall amount of credit you have with SCCU.
What credit score do I need to have to get a Visa Platinum or Visa Signature card?
You can check out your credit reports on AnnualCreditReport.com
, which is free to see once a year. If you see any errors, be sure to report them to the bureau(s). Keep in mind that you have multiple credit scores, but FICO®
is one of the most common scoring systems. You can see your FICO credit score
in your SCCU Online
and Mobile Banking
accounts for free. Here’s a breakdown of the FICO scoring system:
- Exceptional: 800-850
- Very Good: 740-799
- Good: 670-739
- Fair: 580-669
- Poor: 300-579
To get the lowest rate for either a Visa Platinum or a Visa Signature, a credit score of at least 760 or higher is ideal (subject to change). Applicants will need a minimum credit score of 660 to get the stamp of approval (subject to change). If you’d like to request a credit limit increase, feel free to reach out to one of our Team Members
The better your credit score, the more likely you’ll also get a lower rate on your credit card as well as other loans, lower insurance policy premiums, and lower deposit requirements for renting an apartment. If you’d like to learn more about how you can build or improve your credit score, check out this article for ideas
Why apply for a Visa Credit Card at SCCU?
Our priority is providing the best possible service for our members. As a credit union, we’re a not-for-profit financial institution that exists to serve our members, not stockholders. Every member owns an equal share of the credit union, and as such, we’re a member-owned cooperative. Anyone who lives or works in these 34 counties
can become a member with just a $5 Share Savings deposit.
Unlike banks, we don’t offset our services and low rates with hidden fees, so you won’t have to worry about them with any of our credit cards. We offer a variety of personal Visa credit cards
and a Visa Platinum card for businesses
. So it’s easy to find the one that best suits your needs! You can apply for any of them easily online. Plus, you have a plethora of card styles
to choose from too.
If you have any questions, you can reach out to us via the method that works best for you
: chat live with us, give us a call, send us a WhatsApp text message, or schedule an appointment at any of our 65 branches, and a Team Member will be happy to help.