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A credit card that provides the flexibility and convenience you need.

Choose Your Perfect Card

When you sign up for one of our credit cards, you can enjoy a range of benefits, including a low or 0% introductory APR for the first 12 months. This can help you save money on interest charges and pay off your balance faster. In addition to the introductory APR offer, our cards come with a range of perks and rewards programs to suit your needs. Whether you're interested in travel rewards, cash back, or building your credit, we have a card that works best for you.

Our cards also feature secure, contactless chip technology for making payments, and we offer no annual fees and low or no balance transfer fees. So why wait? Choose a credit card that works best for you and start enjoying the benefits today.

*APR = Annual Percentage Rate.
**A minimum of $250 is required for balance transfer. If the balance is not paid off within 12 months, the rate will become a variable rate tied to the Wall Street Journal Prime Rate, and as low as Prime Rate + 6.75% for a Visa Platinum Rewards Card, or as low as Prime Rate + 8.00% for a Signature Rewards Visa card. Rates are based on each applicant's credit history; your rate could be higher. Eligibility is based on credit history and proof of income. Underwriting criteria apply. Rates are subject to change based on borrower eligibility and market conditions. Student and Share Secured Visa cards not eligible. Visa rates adjust quarterly, on the first day of January, April, July and October.
***Rewards are issued as points and can be redeemed at uChooseRewards.com in the form of cash back (statement credit or deposit into your Securityplus checking or Share account), merchandise or gift cards. Earn 3 points for each $1 spent on gas & grocery purchases and 1.5 points for each $1 spent on all other purchases. There is no limit on the points you can earn. $150 bonus is 15,000 points which is equivalent to $150 if redeemed in cash. Cash advances, credit card checks, and balance transfers do not earn Rewards points and do not count towards the $150 bonus.
**** The Maryland Flag Crab image used on the Platinum Rewards Credit Card is a registered trademark, "CRABS OUTA FLAGS," owned by Fish Outa Water, LLC. This image may not be copied, reproduced, or used in any fashion without explicit written permission from Fish Outa Water, LLC.

Begin your Balance Transfer by calling 1-866-473-2758

A free balance transfer can help you consolidate your bills into one monthly payment to your Securityplus Visa Credit Card.

Visa Credit Card Rates
Effective Jul 17, 2024
Description Intro APR* Intro Term Standard Variable APR*
Platinum Rewards Visa 4.99% Balance Transfers & Purchases for 12 months, and 2,500 bonus points after the first purchase of $100 or more. 15.25% - 18.00%
Signature Rewards Visa 0% on Purchases and Balance Transfers 12 Months 16.50% - 17.99%
Student Visa 13.50%
Share-Secured Visa 13.50%
*APR = Annual Percentage Rate. Subject to creditworthiness. The VISA rates adjust quarterly, on the first day of January, April, July and October. The rate applied is based upon the Prime Rate effective 7/27/23 at 8.50% (as published in the Wall Street Journal) and remains in effect until the next change date.

Pay by Digital Payment App with Securityplus Visa Credit and Debit Cards

Take advantage of these convenient digital payment apps to make secure purchases right from your smartphone.

Out of Area Protection

As a protective measure for our members, transactions may be blocked if they appear to be suspicious. This includes use of your card in places that are not ordinary for you, such as in other parts of the country or overseas.

let us know your travel plans

Notify us of your travel plans to reduce the risk of your card being rejected while away. Submit a Travel Authorization Request via Digital Banking, using ''Message Center.'' You may also print and complete a PDF Travel Authorization Request,Opens in New Window and return it to any branch or fax to 410-281-6273.

Countries/States Blocked from Processing Visa Transactions

As a fraud prevention measure, the following countries and states are currently "blocked" from processing transactions on Securityplus Visa Credit Cards and Debit Cards. If you plan to travel to any of the places listed, visit a branch or call 410-281-6200 to request temporary exclusion from the block.

Countries
Visa Credit Card Blocked
Visa Debit Card Blocked
SignaturePinnedSignaturePinned
Brazil
OK
OK
X
OK
Canada
X
X
X
OK
Japan
X
X
X
OK
Saudi Arabia
X
X
X
X
South Africa
X
X
OK
OK
Spain
X
X
X
OK
Taiwan
X
X
X
X
UK/Great Britain
(England, Wales, Scotland & North Ireland)
X
X
X
OK
States
Visa Credit Card Blocked
Visa Debit Card Blocked
SignaturePinnedSignaturePinned
CaliforniaOK
OK
X
X


The U.S. Government has placed sanctions on the following countries. Your VISA Credit and Debit cards cannot be used in these countries:

Balkans/Bulgaria/Serbia
Burma/Myanmar
Belarus
Cote d''Ivoire (Ivory Coast)
Cuba
Democratic Republic of the Congo
Iran
Iraq
Lebanon
Liberia
Libya
North Korea
Somalia
Sudan
Syria
Ukraine
Yemen
Zimbabwe

Tap to Pay

Your Visa credit card comes complete with secure, contactless chip technology. For touchless payment, look for the contactless symbol at the merchant checkout and simply tap your contactless card on the checkout terminal. Your payment is processed in seconds!

Visa Online Account Access

View your current balance, payment history, and statement anytime, anywhere through Visa Access, available through digital banking.

Added Security of Real-Time Alerts

Keep track of your Visa card usage and help avoid possible fraudulent activity when you enroll your Visa credit card in free Visa Alerts. With this service you will receive real time alerts via text or email whenever your Visa card is used to make a purchase. Enroll in Visa Alerts.Opens in New Window

Ready to Choose Your Card?
 
Have questions? Contact Us
 


Frequently Asked Questions

How do I login to access my account?
You can login by clicking the link here to online banking to access your account:
Click Here to be re-directed to online banking.

Who should I contact for credit card related issues?
You can contact a representative at 410-281-6200 Monday through Friday from 9:00 a.m. to 5:00 p.m. and Saturday from 9:00 a.m. to 1:00 p.m. eastern standard time.

How do I report my credit card lost or stolen?
To report your credit card lost or stolen you can complete either of the following two actions below.
Which Personal Credit Card Should I Get?
Selecting the right credit card can be difficult, but we make it easy! All of our credit cards have no annual feels, low variable rates, and little to no fee when completing a balance transfer. To learn more on the best credit card for your financial needs contact a representative at 420-281-6200.

Not Yet a Member?
Becoming a member is simple. Apply Online to begin your credit card application process by clicking the link here to be re-directed to our loan application: Apply for a Credit Card.

Join Securityplus Today

Becoming a member of our Credit Union is easy! It only takes a few minutes to apply and make the $5.00 minimum deposit to open your Share Savings account. Benefit from lower lending rates, higher dividend rates, fewer or lower fees, and more!

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