Last Updated: 07/28/2025
United States Senate FCU Visa® Smart Rate
Unaffiliated
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
13.50%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
13.50%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
United States Senate FCU Visa® Smart Rate Review
This is a card issued by United States Senate Federal Credit Union. If you're wondering whether United States Senate FCU Visa® Smart Rate is the right card for you, read on.
Key Takeaways
- APRs: United States Senate FCU Visa® Smart Rate has a variable regular purchase APR of 13.50%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
Pros & Cons of United States Senate FCU Visa® Smart Rate
| The Good | The Bad |
|
|
United States Senate FCU Visa® Smart Rate FAQ
Does United States Senate FCU Visa® Smart Rate have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for United States Senate FCU Visa® Smart Rate?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.United States Senate FCU Visa® Smart Rate has a variable purchase APR of 13.50%. The card has a variable balance transfer APR of 13.50% . It also has a variable cash advance APR of 13.50% .
Does United States Senate FCU Visa® Smart Rate have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does United States Senate FCU Visa® Smart Rate have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for United States Senate FCU Visa® Smart Rate?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does United States Senate FCU Visa® Smart Rate have a foreign transaction fee?
United States Senate FCU Visa® Smart Rate charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for United States Senate FCU Visa® Smart Rate?
The customer service number for United States Senate FCU Visa® Smart Rate is (800) 374-2758.
What is the support contact email for United States Senate FCU Visa® Smart Rate?
The support contact email for United States Senate FCU Visa® Smart Rate is services@ussfcu.org.
What is the login page for United States Senate FCU Visa® Smart Rate?
You can access the login page of United States Senate FCU Visa® Smart Rate here.
How do people rate the customer service and user experience of United States Senate FCU Visa® Smart Rate?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does United States Senate FCU Visa® Smart Rate report your account activity to credit bureaus?
Yes, United States Senate FCU Visa® Smart Rate reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does United States Senate Federal Credit Union perform a hard credit pull?
Yes, United States Senate FCU Visa® Smart Rate performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for United States Senate FCU Visa® Smart Rate
- Visit the website of United States Senate FCU Visa® Smart Rate.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:30AM - 4:00PM
Tuesday
8:30AM - 4:00PM
Wednesday
10:00AM - 4:00PM
Thursday
8:30AM - 4:00PM
Friday
8:30AM - 4:00PM
Saturday
Closed