SCCU Visa® Student Credit Card
A smart first step toward building credit with confidence.
Built to help students start building a positive credit history with the tools to stay in control from day one.
See our Consumer Credit Card Agreement and Application Solicitation Disclosure.
By applying, you acknowledge you can access and retain these disclosures.
Built for Students Starting Their Credit Journey
- Free 2Way Text Fraud Alerts
- Contactless Chip Technology
- Free FICO® Score
- Visa Zero Liability Protection14
- Digital Wallet Technology
- Effortlessly Manage Cards in Online & Mobile Banking
- Visa Account Updater – Auto update card information with participating merchants
Built-In Benefits
Card Controls & Alerts
Manage your card, set alerts, and track activity in Online & Mobile Banking.
Real-Time Fraud Alerts
Get notified of suspicious activity and respond quickly.
Visa Zero Liability® Policy
You’re protected from unauthorized transactions.
Contactless Payments
Tap to pay for a secure, convenient, and touch-free way to check out.
Digital Wallet Compatibility
Add your card to mobile wallets for secure payments online, in apps, or in stores.
Automatic Card Updates
Visa Account Updater® (VAU) helps keep recurring payments working after reissue.
| Standard APR* for Purchases |
As low as 17.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.) |
|---|---|
| Standard APR* for Balance Transfers |
As low as 17.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.) |
| Standard APR* for Cash Advances |
As low as 17.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.) |
| Annual Fee |
$0 |
| Cash Advance Fee |
$0 |
| Balance Transfer Fee |
$0 |
| International Transaction Fee |
1% of the converted transaction amount |
| Other Fees |
Late Payment Fee: up to $27 |
| Minimum Finance Charge |
$0.50 |
| Credit Line Amounts |
Minimum: $300 |
| Required Minimum Deposit |
$300 |
| Regular savings account can be used as collateral for the credit line |
Yes |
| Age Limit |
Must be between the ages of 15 and 17 |
| Co-Signer Needed |
Yes |
| Requires a joint account holder who is a parent or legal guardian |
Yes |
Quick Links
FAQs
▸ 1. Who can apply for the Visa® Student Credit Card?
It’s designed for students ages 15–17 and requires a parent or legal guardian as a joint owner. This structure helps provide guidance and shared responsibility while students begin building credit.
▸ 2. How does the Visa® Student Credit Card work?
It’s a secured card, meaning it’s backed by a savings deposit. The deposit helps set the credit limit and provides a clear, manageable way for students to learn responsible credit use while making everyday purchases.
▸ 3. What is the minimum deposit and credit limit for the SCCU Visa® Student Credit Card?
The minimum deposit is $300, which equals the minimum credit limit. Credit limits may vary based on the deposit amount, helping students build credit within clear spending boundaries.
▸ 4. How does the SCCU Visa® Student Credit Card help students build credit?
Using your card responsibly, such as making payments on time and keeping your balance low, can help establish a positive credit history. Your payment activity may be reported to credit bureaus, which can strengthen future financial opportunities.
▸ 5. What happens when the student turns 18?
Once a student turns 18 and has established a positive payment history, they may be eligible to explore additional SCCU credit card options that better match their evolving financial needs.