Last Updated on April 14, 2025 by Amrita Das
When it comes to credit cards, finding one that aligns with your financial goals and daily habits can be a challenge. That’s where SECU (State Employees’ Credit Union) credit cards come in. Designed to cater to a range of needs, these cards are built to offer flexibility, rewards, and security to their members. Whether you’re looking to maximize cash back, earn flexible points, or simply save with a low interest rate, SECU has a card for you.
In this guide, I will talk about the SECU credit card in detail, highlighting the standout benefits and helping you determine which one best suits your lifestyle.
Why Choose SECU Credit Cards?
SECU credit cards are uniquely tailored to help members get the most out of their spending. Here are some key benefits across all SECU cards:
- No Annual Fees: Unlike many competitors, all SECU credit cards come without annual fees, saving you money every year.
- 0% Introductory Balance Transfers: For the first 12 months, cardholders can transfer balances at 0% APR if done within the first 90 days of account opening. Afterward, rates transition to a variable APR starting at a competitive 12%.
- Top-Level Security: With Visa® Zero Liability protection and contactless payment options, your spending is safer than ever.
- Accessibility Through the SECU Mobile App: Easily manage transactions, lock your card, and make payments all in one convenient platform.
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Now, let’s explore SECU’s credit card options in detail.
SECU Credit Card Options
Cash Rewards Credit Card
Best for: Those who want maximum cash back on every purchase.
The Cash Rewards Credit Card is all about making the most of your everyday spending.
- Cash Back Rewards: Earn 1.5% cash back on all purchases, with a 0.5% bonus if you’re eligible for direct deposit, for a total of up to 2.0% cash rewards.
- Ease of Redemption: Redeem your cash rewards easily as statement credits or deposits into your SECU checking account.
- Variable APR: 15.00% to 18.00% for both purchases and balance transfers.
If you’re someone who spends across various categories and prefers the simplicity of cash rewards, this card is a no-brainer.
Points Rewards Credit Card
Best for: Those who value flexibility in reward redemption.
The Points Rewards Card is perfect for individuals seeking diverse reward options to match their varied interests.
Accelerated Points:
- On Gas and EV charging: 3x points
- At restaurants: 2x points
- On all other purchases: 1.5x points
- Flexible Redemption: Use points for cash back, travel, merchandise, gift cards, or statement credits.
- APR Range: 15.00% to 18.00% variable on purchases and balance transfers.
For cardholders who love dining out, traveling, and enjoying flexible rewards, this card is ideal.
Classic Credit Card
Best for: Those focused on saving with lower interest rates.
If you tend to carry a balance, the SECU Classic Credit Card offers a low, variable interest rate to help minimize costs.
- Competitive APR: Ranges from just 12.00% to 15.00%, making it a standout option for cost-conscious cardholders.
- No Frills, Lower Costs: This card is tailored for simplicity, with top-notch security and features like the SECU Mobile App without the added complexity of rewards programs.
The Classic Card is great for building credit or simply managing balances more efficiently.
Rewards Features That Stand Out
SECU doesn’t just offer rewards; it offers rewards done your way. Here’s what you can expect with Cash Rewards and Points Rewards cards:
- Unlimited Redemptions: No caps on how much you can earn or redeem.
- Ease of Use: Redeem cash as statement credits or direct deposits, or points for a wide variety of options like travel or merchandise.
- Expiration Schedules: Cash rewards are valid for four years, while points expire in five.
With SECU, every dollar you spend can work harder for you.
How to access lending services with SECU credit cards
Members of the State Employees’ Credit Union (SECU) have various options to access lending services. One option is through their online account on the SECU website, using the “Member Access” feature. Another option is to contact Member Services Support at (888) 732-8562 over the phone.
Lastly, members can also visit a local branch to apply for lending services. It’s important to note that only individuals who are 18 years of age or older and eligible for lending services can apply. Additionally, new lending is currently limited to residents of
- North Carolina
- South Carolina
- Georgia,
- Tennessee, and
- Virginia.
How can I ask for a credit line increase for my existing credit card?
You can request a credit line increase by contacting SECU at (888) 732-8562 or visiting your local branch. Please note that credit line increases are not guaranteed and must be approved. Regardless of which state you reside in, you are eligible to apply for a credit line increase.
Your credit limit may also automatically increase over time based on your repayment report and other factors. We will notify you if this occurs, but if you wish to decline any automated increases, please contact their team directly.
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Managing Your SECU Credit Card
Taking control of your SECU credit card is seamless with the Mobile App. From account security to effortless payment systems, the app adds convenience to your daily financial tasks. Some standout features include:
- Card Lock: Instantly protect your card if it’s misplaced or stolen.
- Transaction Insights: Keep tabs on current and pending charges.
- Payment Flexibility: Schedule one-time or recurring payments effortlessly.
- Statement Management: Digitally access your account details anytime, anywhere.
If simple, intuitive management is what you’re looking for, SECU removes all the hassle.
What is the Customer Support contact for SECU credit cards?
SECU credit cards customer support is dedicated to providing top-notch service and assistance to their customers. With a phone number available( (888) 732-8562) for easy access, clients can quickly address any concerns or inquiries they may have about their Visa Credit Card.
Additionally, the State Employees Credit Union has also provided an email address(info@ncsecu.org) for those who prefer to communicate electronically. This level of accessibility showcases their commitment to ensuring that their customers’ needs are met promptly and efficiently.
Does SECU do a hard credit pull?
When applying for a loan at State Employees Credit Union (SECU), it is important to know that their Visa Credit Card performs a hard credit pull. This means that when you submit your application, the lender will request a full credit history report from one or more major credit bureaus.
Unlike some other lenders who offer the option of checking rates with a soft credit pull, SECU does not provide this feature. A soft credit pull allows lenders to give you an estimate of your potential rates without impacting your credit score.
This can be useful for borrowers who are still comparing offers and don’t want multiple hard inquiries on their credit report.
Does SECU Charge Foreign Transaction Fees?
For those who have State Employees Credit Union (SECU) Visa Credit Cards, it’s important to know that these cards do indeed charge a foreign transaction fee of up to 1%. This means that for every $100 spent in a different currency, an additional $1 will be added to your bill.
While this may not seem like much at first glance, the fees can quickly accumulate, especially if you frequently travel or make large purchases in foreign currencies.
One way to avoid foreign transaction fees is by choosing a credit card that does not charge them. There are several options available, such as the Capital One Venture Rewards Credit Card and the Discover it Miles card. These cards do not have any foreign transaction fees and also offer other benefits such as travel rewards and cash back.
Steps to Report a Lost or Stolen Credit Card
If you realize that your credit card is missing, don’t panic. We have a simple process for reporting lost or stolen cards and protecting you from any fraudulent charges.
- Contact Member Services Support: The first step in reporting a lost or stolen credit card is to call our Member Services Support line at (888) 732-8562. Their representatives or support team are available to assist you 24/7.
- Visit Your Local Branch: You can also visit your local branch in person if that is more convenient for you. SECU’s staff will be happy to assist you with replacing your card and reporting any unauthorized transactions.
- Use the Mobile App: Many credit card companies now offer mobile apps that allow you to report a lost or stolen card directly from your phone. This is a quick and convenient option for those who are always on the go.
- Monitor Your Account: While you wait for your new credit card, it’s important to monitor your account for any unauthorized charges. If you see any suspicious activity, be sure to report it immediately.
What to Do in Case of Fraudulent Credit Card Fees
If you happen to spot any transactions on your credit card statement that you did not authorize or make, it is important to act quickly and report them. Please feel free to contact the SECUs Member Services Support team at (888) 732-8562 to let them know about the fraudulent charges.
Reporting fraud promptly is crucial as it allows them to take necessary steps to protect your account and possibly reimburse you for the unauthorised charges. Therefore, do not delay in notifying us if you suspect any suspicious activity on your credit card.
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How to Choose the Best SECU Card for Your Needs
Selecting the right SECU credit card depends on a few key questions:
Do you want cash back or flexible rewards?
If you’re looking for straightforward savings, the Cash Rewards card is a safe bet. If you like variety, opt for the Points Rewards card.
Do you regularly carry a balance?
The Classic Card is best suited for cardholders who might carry balances and want to minimize interest charges.
How often do you spend in specific categories?
For gas, EV charging, and dining enthusiasts, the Points Rewards Card offers tailored advantages. Decide what matters most to you, and SECU will have an option that matches your lifestyle.
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Final Thoughts: SECU Credit Cards
SECU credit cards set a high standard for financial flexibility, security, and rewards. Their inclusive range of options ensures that whether you’re a frequent traveler, a cash-back enthusiast, or someone focused on debt management, there’s a perfect card for you. So, this is all about SECU Credit Card.
