STCU credit card rewards are a great way to earn more on every purchase. And from April 1 through June 30, 2017, you can earn up to 5X points when you fill up the tank or make purchases at qualifying home improvement, appliance, furniture, and lawn and garden stores. More

Start earning your reward points today:

STCU Rewards World Mastercard®

With your STCU Rewards World Mastercard, you pay no annual fee and earn points on every purchase. Plus, you can earn 2,000 bonus points when you make $1,000 in purchases in the first three months you own your new card! (Bonus points expire one year from date awarded. More)

STCU Premier Rewards World Mastercard®

With your STCU Premier Rewards World Mastercard, you pay no annual fee the first year, as you maximize your rewards with an aggressive 3-2-1 points program specifically designed for STCU members:

  • 3X points on most travel purchases, including airlines, hotels, car rentals, cruises, and travel agencies.*
  • 2X points on any two categories you choose (restaurants, groceries, recurring bills, pharmaceuticals, Wal-Mart,, and more).*
  • 1X points on all other purchases.

You can change your 2X categories every 90 days, plus your Premier Rewards card gets up to $100 off any multi-night booking at any of 200,000 participating hotels. And the 2,000-point bonus described above? It also applies to Premier Rewards!

(*If your merchant classifies itself under a category code that does not qualify for 2x or 3x rewards points, your transaction may only receive 1x rewards points. All transactions are final and cannot be adjusted by STCU or Mastercard.)


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0% intro APR for six months! (10.24% to 20.24% variable APR thereafter)

Open a new STCU rewards card and get our lowest possible rate during the first six months. Transfer balances from other high-priced credit cards and loans to your new rewards card during the first 60 days and get 1.90% intro APR for the next 12 months! (10.24% to 20.24% variable APR thereafter.)
Disclosures for STCU Rewards World Mastercard - Disclosures for STCU Premier Rewards World Mastercard

Comparison of STCU's new rewards cards STCU Rewards STCU Premier Rewards
3X points on most travel purchases, including airlines, hotels, car rentals, cruises, and travel agencies.
2X points on purchases in any two categories you select.
1X points on purchases.
Earned points on purchases never expire when you make at least one purchase every 2 years.
2,000 bonus points when you make $1,000 in purchases in the first three months.1
Passport Unlimited instant discounts.
$50 or $100 off each multi-night booking at 200,000+ hotels.
Rental car insurance coverage.3 Secondary Primary
Travel Accident insurance.3 $500,000 $1,000,000
Trip and baggage delay reimbursement benefits.3
Identity theft resolution services.
Identity theft expense coverage.3 $5,000 $10,000
Chip-and-PIN security.
Zero liability protection.4
No foreign transaction fees.2
Minimum qualifying credit limit. $1,000 $5,000
Annual fee. None $49 ($0 first year)
1Earned points on purchases never expire, with at least one purchase every 24 months. Bonus points expire one year after date of issuance. 2Foreign transaction fee: None for STCU Premier Rewards World Mastercard; 2% of U.S. dollar amount of transaction for STCU Rewards World Mastercard. 3Certain restrictions apply. See STCU Rewards World Mastercard and STCU Premier Rewards World Mastercard guides to benefit. 4Certain restrictions apply. Balance transfer fees: None for 60 days after account opening after that, either $5 or 3% of each balance transfer, whichever is greater. Cash advance fees: Either $5 or 3% of each cash advance, whichever is greater. See for details. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Inc. used pursuant to a license. All third party trademarks referenced herein are the property of their respective owners.

Redeem your points.

The fun part is when you decide how to redeem your points for travel, gifts, cash back, and even charity:

  • Airline tickets.
  • Gift cards and merchandise.
  • Cash back to your checking, savings, or credit card accounts.
  • Cruises and travel packages.
  • Charitable donations or gifting points to another participating STCU member.

For up-to-date rewards tracking or to redeem points, access your rewards account from your STCU online banking account or call (855) 445-6719. (Certain restrictions apply. See STCU Rewards terms and conditions.)


Travel rewards

With your STCU Premier Rewards World Mastercard, you'll enjoy $50 off each 2 -3-night booking or $100 off each 4+night booking at more than 200,000 hotels worldwide. Plus, earn 3 points for every $1 spent on all travel purchases, including airlines, hotels, car rentals, cruises, and more.



Enhanced price protection and extended warranty.

Get reimbursed for the difference in price if any eligible new item you purchase with your STCU World Mastercard is advertised for less within 120 days. Extended warranty doubles the original manufacturer's (or store) warranty for up to two years on eligible new items purchased with your STCU World Mastercard. (Certain restrictions apply. See STCU Rewards terms and conditions.)


Passport Unlimited® instant rewards!

Pay with your STCU credit card and instantly get up to 50% off, or a complimentary second entrée, at hundreds of participating restaurants, merchants, or online stores! More




Chip-and-PIN security

All STCU credit cards are equipped with a microchip that encrypts transactions for greater security, as well as a traditional magnetic strip. When it's requested by the merchant, your self-selected PIN adds an extra layer of security.



STCU Rewards terms and conditions.

Guide to Benefits: STCU Rewards World Mastercard
Guide to Benefits: STCU Premier Rewards World Mastercard

Fraud text alerts!

Get real-time text alerts when suspicious transactions are identified on your STCU Mastercard. Free fraud text alerts allow you to respond instantly to verify whether the transaction is valid, helping prevent fraud right away. Enroll now 

Digital wallet

STCU credit cards support Apple, Android, and Samsung Pay. More

Rewards cards FAQs

Does it cost to participate in an STCU rewards program?

There is no cost to participate in the STCU rewards program, but you may be responsible for taxes, fees, or other charges associated with the issue of rewards airline tickets and other rewards or benefits redeemed from participating companies. Please consult the STCU Rewards Program Terms and Conditions.

I activated my card and selected a PIN, but my first transaction was declined. Why?

Most cardholders will not experience this. At a few merchants with a specific type of card reader, you may have to repeat your very first chip-and-PIN transaction twice. The card will function normally for subsequent transactions.

How do I select or change a personal identification number (PIN) for my credit card?

It can be done quickly by calling (888) 891-2435.

I have a joint credit card account. Will we both have the same PIN?

No. You’ll each need to call and select a unique PIN for each card on the account.

I made a debit purchase and the clerk did not ask for my PIN. How is that more secure?

A: With an embedded microchip in the debit card, some merchants may choose to complete sales without a PIN. However, STCU and most security experts recommend that businesses always request a PIN to ensure highest level of security.

How do I earn rewards points?

STCU members earn one point for every dollar spent on purchases with the STCU Rewards World Mastercard. The STCU Premier Rewards World Mastercard earns 2x points on two categories of your choice, and 3x points on all travel purchases.

If you return a purchase and receive credit to your account, the points are deducted from your total. Fraudulent transactions reversed from your account are also deducted from your point total.

Where can I see how many points I have earned?

Simply log in to STCU online banking. Your points are displayed on the right side of the screen.

How do I redeem my points?

Log in to STCU online banking and click "Go to rewards." There, you'll find options for redeeming your points. It can be done by you or any joint account holder at any time, day or night. If you'd rather work with a human being, call the STCU Rewards Service Center at (855) 445-6719 between 6 a.m. and 9 p.m. weekdays, or 6 a.m. to 7 p.m. weekends. All redemptions are final; we can't offer refunds or cancellations.

How do I select 2x points categories on my Premier Rewards card?

It's easy! First, log into STCU online banking at and click on "Go to rewards." Then, click on "Earn," where you'll find a "Select Categories"” button. You'll see lots of options; choose two. When you click "save," you are locking in your selections for 90 days.

There also are people to help you make your selection, if you'd rather not do it online. Call the STCU Rewards Service Center at (855) 445-6719, available 6 a.m. to 9 p.m. weekdays; or 6 a.m. to 7 p.m. weekends.

How do I change my 2x point categories?

Click "Go to rewards" in STCU online banking, then click "Earn." The date on the page indicates when you are eligible to change your categories. Select your preferred categories and click "save," locking in your selections for another 90 days.

Is there a limit to the points I can accumulate?

No! Feel free to redeem your points as you earn them, or build them up for bigger rewards! Points can add up quickly with the STCU Premier Rewards World Mastercard, since there’s cap on the number of double or triple points you can earn.

Do my points expire?

The points you earn on purchases never expire, as long as you use your card to make at least one purchase every 24 months. Sometimes we'll offer bonus points, which expire one year from the date they’re awarded (unless otherwise disclosed in the terms of the promotion or bonus points offer). Gifted points (those transferred to you by another STCU member) expire in six months, no matter how they were earned by the person gifting them to you.

Am I required to allocate points to a certain category in order to use them?

You may redeem points for any available item, service, credit, charity or experience. Points are applied/allocated at the time of redemption.

When are points posted to my account?

The day after you earn them.

Who do I contact if something goes wrong with a flight that I purchase using my STCU Rewards?

Contact the airline directly, using the phone numbers printed on your flight itinerary. Your itinerary will be emailed to you after you redeem points for air travel.

What happens if I cancel a flight booked through the STCU Rewards website?

Tickets are non-changeable and non-refundable. Any changes must be handled directly with the airline listed on your itinerary. You may be subject to airline fees.

Any way to get airline frequent flyer miles for airline tickets I purchase with STCU points?

Yes. Just provide your airline frequent flyer number on the booking website, or to the agent if you redeem your points by phone. You must work directly with the airline if you forget to provide your frequent flyer number at the time of booking, or to work out any discrepancies.

Can I combine my points and my frequent flyer miles for free airline tickets?

Sorry. The STCU Rewards program is independent of airline frequent flyer miles, and you cannot redeem your points for miles.

Do reward certificates or gift cards expire?

Expiration dates vary depending on the merchant, so be sure to read the details provided in the rewards description for any certificate or gift card you’re considering.

Can rewards be shipped to foreign countries?

STCU only ships rewards within the United States, or to U.S. military addresses (APO/FPO) overseas. Rewards are not shipped to U.S. territories such as American Samoa, Guam, Mariana Islands, Puerto Rico, or the U.S. Virgin Islands.

Can e-gift cards be sent to a mobile phone?

Some have that option. If it's available for the e-gift card you select, you'll see instructions on the e-gift card web page. Additional merchant terms and conditions for using e-gift cards on mobile devices may apply.

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