Credit Card FAQs

View Credit Card Interest Rates, Charges and Fees Disclosure

USF Rewards Visa Program Rules and Conditions

1Offer not valid for members with existing USF FCU Rewards credit card. $125 will be processed to the member’s USF FCU savings account at the end of the month following the qualified $1,500 spend after the first 90 days of opening account. ATM withdrawals, refunds, balance transfers and cash advance transactions do not earn reward points nor count toward $1,500 spend.
2APR will vary based on creditworthiness. APR will vary with the market based on the U.S. Prime Rate. Must be a member of USF FCU to open a credit card.
3Cash Advance Fee $10.00 or 2.00% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee 1.00% of each transaction in U.S. dollars.
4Merchants are assigned a merchant category code (MCC) based on the kinds of products and services they sell. USF Federal Credit Union does not determine which MCC a merchant chooses to classify itself, therefore some purchases may not fall into the category where you might expect them to appear.
*APR= Annual Percentage Rate. Credit cards are variable rate, rate may change after account opening. Subject to loan approval. Rate may vary upon individual credit qualifications.

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