Competitive Interest Rates

• The card offers interest rates starting as low as around 6.99% APR (annual percentage rate), depending on your creditworthiness.

Rewards Program

• You earn Bonus Points on every net retail purchase you make with the card.
• These points can be redeemed for brand-name merchandise, travel awards, and more through the Scorecard Rewards program.

Fees & Charges

• No balance transfer fee, which can be helpful if you transfer a balance from a high-interest card.
• Cash advance fees are charged at around 2% of the amount advanced.
• Typical credit union card fees also apply for late payments or returned checks (e.g., around $25 for late payment or NSF).
• There are modest fees for items like statement copies or card replacement.*

(Exact fees and terms can change.)

• Your accumulated points can be used for a variety of reward options like travel, merchandise, or other offers available in the Scorecard Rewards catalog.

Convenience & Acceptance

• As a Visa card, it’s widely accepted wherever Visa is accepted—both in the U.S. and abroad.
• The Visa network also provides standard protections like fraud monitoring and zero liability for unauthorized charges (standard with most Visa cards).

To apply for this card, contact POE Federal Credit Union directly or visit one of their branch locations.