SCCU Visa Signature Credit Card — 25,000 points Sign-Up Bonus (2026 Review)
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- Minimum spend: $3,000 within 3 months of account opening
- Availability: FL
- Annual fee: $0
No published application rulesSmall banks and credit unions rarely publish application limits, and there is usually no community rule either.
The rules on this page exist because a handful of large issuers apply them consistently enough that people could map them from thousands of reported approvals and denials. Smaller institutions do not generate that volume and do not publish an equivalent. Two things still apply. Most credit unions require membership before you can apply at all, usually tied to where you live, work, worship or study, and that is a separate gate from the credit decision. And the welcome bonus terms on the card itself can still restrict earning it twice, so read them.
Rewards Earning
Key Benefits
- Earn 25,000 bonus points after you spend $3,000 on purchases in the first 3 months
- 3X points on travel, streaming services, and groceries; 2X at restaurants; 1X on everything else
- 0.00% intro APR for the first 6 billing cycles on purchases, balance transfers, and cash advances
- No annual fee and a low 1% foreign transaction fee
Overview
The SCCU Visa Signature Credit Card currently offers 25,000 points after $3,000 in purchases within 3 months. There is no annual fee. Estimated net first-year value is $250 using the catalog's published valuation assumptions.
Pros
Cons
Notes
Plan for roughly $1,000 per month in organic purchases to complete the $3,000 requirement inside 3 months. Do not carry interest-bearing debt to earn the bonus, and confirm that every planned purchase is eligible.
How This Compares
Compare this card with alternatives at a similar annual-fee level using net first-year value, required spend, reward categories, and approval constraints.
Frequently Asked Questions
What is the current SCCU Visa Signature Credit Card welcome offer?
The current catalog offer is 25,000 points after $3,000 in purchases within 3 months. Confirm the issuer page before applying.
What is the SCCU Visa Signature Credit Card annual fee?
The annual fee is $0.
How should I value the SCCU Visa Signature Credit Card offer?
Using the site's catalog assumptions, the estimated net first-year value is $250 after the first-year annual fee and tracked statement credits. Your redemption value can differ.
Sources (1)
We last checked this against the bank's page on September 14, 2026.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.