Superior Credit Cards | Superior Credit Union
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VISA Rewards

2% Cash Back on Travel*

1.5% Cash Back on All Other Purchases!

Superior Credit Card Comparison
VISA Premier Smart Choice VISA VISA Rewards MyFirst VISA Fresh Start VISA
12.50% APR
variable rate
(Prime plus 4.00%)
16.50% APR
variable rate
(Prime plus 8.00%)
18.00% APR
variable rate
(Prime plus 12.00%)
18.00% APR
fixed rate
18.00% APR
fixed rate
No annual fee* No annual fee* No annual fee* No annual fee* Annual fee of just $50.00
Lowest Credit Card Rate!

A low rate for those looking to build their credit

1.5% Cash Back on All Purchases!The perfect starter Credit CardThe perfect reset Credit Card
Available as a Business Credit Card.Available in Various Card Designs!Available as a Business Credit Card with $50 annual fee.Available in Various Card Designs!Available in Various Card Designs!
Great for the member who is rate conscious
Perfect for the member who wants a low rate but has less than perfect credit. Great for the member who pays their balance in full each month
Great for college students looking for an emergency card while away at college or to build credit history Great for members who have had a difficult time with credit in the past – giving them a “fresh start”
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VISA Benefits

Keep all your financial products in one place with a Superior Credit Card! You can pay all your balances through the Superior CU app or online banking, pop your card into your digital wallet and so much more. We have five credit card programs available for the member in any financial position.

Digital Wallet

Superior Credit Union now provides another convenient and secure way to make purchases. Link your debit or credit card information to the Apple Pay™, Google Pay™, or Samsung Pay™ application and receive the same great benefits that come with your card, plus the convenience of a digital wallet! You can pay for purchases online or in person from your smartphone.

Use Mobile Wallet

Card Control

Now available in Superior Online Banking! You can set travel notifications, temporarily lock your card, reissue a new one if it's damaged, or report your card lost or stolen and order a new one. Simply tap "Cards" in the Superior app or Online Banking to get started.

Manage Card Controls

Touchless Pay

NOW AVAILABLE on all Superior Credit and Debit Cards! Fast, convenient and safe. Tap to pay at any kiosk that displays the contactless symbol.

View Superior Card Designs


How Does Paying Interest Work?

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

What Are The Transaction Fees?

Cash Advance: Either $5.00 or 3% of the amount of each cash advance, whichever is greater. 

What Are The Penalty Fees?

Late Payment: $25.00

Over-the-Credit Limit: $25.00

Returned Payment: $25.00

Is There an Annual Fee?

There is no annual fee for all Superior Credit Cards aside from the Fresh Start VISA. The Fresh Start VISA Credit Card has only a $50 annual fee!

*VISA Disclosures

All VISA loans subject to credit approval. Rates based on individual credit. 2% cash back on groceries available April 13, 2024 - July12, 2024 for Superior VISA Rewards Credit Card holders only. Maximum cash back is $150 per VISA Rewards Account per promotional period. Current rate for VISA Rewards is 18.00% APR (Prime plus 12.00%). Prime Rate used to calculate variable rates refers to highest prime rate published in WSJ’s Money Rates table. Minimum finance charge of $0.50. Balance transfer fee of 3.00% of the amount transferred or $5.00 minimum. Late payment fee of $25.00 for all late payments. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at

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