Smart Choice Visa | Superior Credit Union
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  • Low variable rate of 11.25% APR (Prime plus 8.00%)*
  • No annual fee
  • Perfect for the member who wants a low rate but has less than perfect credit


VISA Introductory Rate Special*

0.00% APR intro rate for six months

Rates as low as 7.25% APR after intro period

* All VISA loans subject to credit approval. Rates based on individual credit. Introductory rate of 0.00% APR applies to balance transfers and purchases completed during the first six billing cycles (but no later than August 31, 2021). Does not include cash advances. After intro period, the variable rate will be based on Prime Rate plus a margin. Prime Rate used to calculate variable rates refers to highest prime rate published in WSJ’s Money Rates table. Current rate for VISA Premier is 7.25% APR (Prime plus 4.00%). Current rate for Smart Choice VISA is 11.25% APR (Prime plus 8.00%). 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. Must apply by February 28, 2021. 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


You can also print and complete this VISA credit card application (PDF)- then mail or drop off to your local branch!

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