Routing Number: 254075250
From December 4 to December 31, earn 5x points on all your purchases with the USSFCU Smart Rewards Visa®.* Whether you're shopping in-store or online, it’s the perfect time to maximize your rewards as you finish your holiday shopping.
Some exclusions apply. See below for details.
When you use your Smart Rewards Credit Card for your shopping, you earn points that can be used for a variety of purchases such as travel, merchandise, and gift cards. You can also opt for payout options in the form of direct deposit or purchase rebates, saving you money on your total holiday spending. Beyond the points, our Smart Rewards card offers a number of additional benefits including:
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This holiday season, boost your rewards faster when you finance your new or used auto loan with USSFCU. For every $1 borrowed, you’ll earn 1 bonus point, up to 50,000 points—directly applied to your Smart Rewards Visa®! Redeem for cash back, travel, gift cards, and more. Don’t miss out—apply for your auto loan and start earning big today!
Offer valid November 1 – December 31, 2024. Terms and conditions apply. Visit ussfcu.org/Auto for complete details.
Our after-hours phone banking offers 24/7 live loan support, including personalized consultations, application submissions, and decision-making. Dial 800-374-2758 after business hours, select option one (1), and experience a revamped Call Menu with brand-new lending options tailored just for you!
Contactless CardsUSSFCU Visa® credit and debit cards are enabled for contactless pay. Contactless card payments are secure, convenient, and touch-free. Simply tap, pay and be on your way!
Receiving a Contactless Card from USSFCU
All newly issued debit and credit cards will be contactless. Current members will receive contactless cards when their current card expires or is reissued. If you prefer not to have a contactless card, contact our Member Service Contact Center at 800.374.2758, and we can issue a non-contactless card by mail.
Add your Senate Debit card, Smart Rate and Smart Rewards credit cards to the Mobile Wallet on your mobile phone, set it as your default card and make payments everywhere you see any of these symbols:
Use your USSFCU Smart Rewards Visa for day-to-day expenses, big-ticket items, and beyond. The more you spend, the more points you'll earn. When you have enough points for the reward you want, go to the rewards site, redeem, and enjoy.
Gift Cards Choose from hundreds of your favorite stores and restaurants.
Travel Rewards Flights, hotels, car rentals, cruises, vacation experiences, and more.
Cash Spend it however you want.
Merchandise Choose from thousands of popular items.
To Redeem your Smart Rewards Points: Log in to your my.ussfcu.org account and click the Card Rewards tab. You'll instantly be directed to the rewards portal, where you can view and manage your points and browse and redeem thousands of rewards.
For Rewards program assistance, or to redeem your reward points by phone, please contact the Support Team toll-free at 855.854.5493 from 6:00 am to 6:00 pm, Monday through Friday (Pacific Time).
From extended warranty protection to travel assistance, your USSFCU Smart Rewards card comes loaded with benefits. Make your purchases with confidence, knowing that you're covered by the power of Visa.
The USSFCU Visa Smart Rewards Card enhances your purchase protection with extended warranty coverage. This benefit extends the original manufacturer’s warranty on qualifying items purchased in full with your rewards card, which can save you a significant amount in potential repair or replacement costs, particularly with electronics and appliances. Register a product at cardbenefitservices.com, or by calling 1-800-882-8057.
Traveling with peace of mind is made easier with the card’s Auto Rental Collision Damage Waiver. This coverage serves as your primary insurance when renting a vehicle, allowing you to decline the rental company’s daily insurance offer. This not only saves you money but can also cover you in case of theft or collision damage to the rental car. To learn more about Auto Rental Collision Damage Waiver, visit www.eclaimsline.com.
The Roadside Dispatch benefit is a pay-per-use service that offers assistance if you encounter trouble while on the road, such as a flat tire, dead battery, or locked car. It’s a convenient solution that acts like an on-call emergency service for your vehicle. If you need roadside assistance, call 800.847.2869. This line is available 24/7.
Travel and Emergency Assistance Services are made available to help you in case of an emergency while you are traveling away from home. A Benefits Administrator can connect you with the appropriate local emergency and assistance resources, 24 hours a day, 365 days a year. To use the services, or for more information about this benefit call 1.800.992.6029.
Visa cardholder benefit programs may be discontinued at any time without prior notice. Void where prohibited. United States Senate Federal Credit Union shall not have any responsibility or liability in connection with the rendering of cardholder benefit services. Benefits will not apply to cardholders whose accounts have been suspended or cancelled.
* 5 X Bonus Points promotion valid between Wednesday, December 4, 2024 (12:00am EST.) through Tuesday, December 31, 2024 (11:59pm EST). $1=5 points when you use your USSFCU Smart Rewards Visa® Credit Card on qualifying purchases during the promotional period. Exclusions apply. Points promotion capped at 100,000 points. Any points accrued in excess of 100,000 will earn standard points ($1=1 point with a Visa Smart Rewards Credit Card on signature-based transactions). Not all transactions qualify for reward points, such as cash advances, balance transfers and PIN-based transactions. Merchants/retailers may process signature debit card transactions as PIN-based transactions even if a PIN was not provided; these transactions would not qualify. USSFCU is not responsible for the processing method selected by the merchants. Not all merchants will participate in the reward points program. Other terms and conditions may apply. View our Smart Rewards brochure for complete program details.
1: Other fees may apply. The foreign transaction fee is 1 percent of the transaction amount, which may be billed separately on your account or included in the transaction amount. To view our fee schedule visit ussfcu.org/fees. 2: Cardholders must activate each payment service before paying with their mobile device. Visit ussfcu.org/mobilewallet for more information on activation, device requirements, terms, and conditions.
All loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income, and debts. Not all applicants will be approved. Your account is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal ("Index") in effect on the last day of each calendar quarter plus our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the next billing cycle following the change. Increases or decreases in the Interest Rate will result in increases or decreases in the Finance Charge and will affect the amount of your regularly scheduled payments that you will be required to make. Other fees may apply. View our Smart Rewards Visa Credit Card Agreement and Disclosure for additional information. Visa® is a registered trademark of Visa.
