Credit cards that make you smile

Enjoy the rewards of your STCU membership, with cards from the credit union you love.

Recognized at millions of stores worldwide, your STCU Mastercard is great for making reservations and purchases at most hotels, airlines, restaurants, and websites. It also supports your digital wallet, so you can buy stuff from your Apple and Android phones.

STCU Premier Rewards World Mastercard®

Get 3X points on most travel purchases, 2X points on spending categories of your choice, and 15,000 bonus points when you make $1,500 in purchases the first 90 days!*

STCU Rewards World Mastercard®

No annual fee and points on every dollar spent. Plus, 10,000 bonus points when you make $1,500 in purchases the first 90 days!*

STCU Mastercard®

Traditional, fixed-rate card, with no annual fee and instant Passport Unlimited® discounts.


Apply now »

Or print, complete, and return your:
STCU rewards credit card application
STCU traditional credit card application


STCU card features
Premier Rewards

Standard Rewards

3x points.
Most travel.3X points on most travel purchases, including airlines, hotels, car rentals, cruises, and travel agencies.
— —
2x points.
Two categories.2X points on any two categories you choose, including restaurants, groceries, department and electronics stores, drugstores, Walmart, and Amazon.
— —
1x points. All other purchases Every purchase. —
New account offer.
15,000 bonus points.*15,000 bonus points when you spend $1,500 during the first 90 days.*
10,000 bonus points.*10,000 bonus points when you spend $1,500 during the first 90 days.*
Annual percentage rate. 0% intro APR for 6 mo.
(10.49%—20.49% variable APR thereafter)
0% intro APR for 6 mo.
(10.49%—20.49% variable APR thereafter)
0% intro APR for 6 mo.
(7.99%—17.99% fixed APR thereafter)
Points don't expire with purchases.1 —
Passport Unlimited® instant discounts.
$50 or $100 off multi-night bookings at 200,000+ hotels. — —
Rental car insurance coverage.3 Primary Secondary Secondary
Travel Accident insurance.3 $1 million $500,000 $500,000
Trip and baggage delay reimbursement benefits.3 — —
Price Protection against price drops up to $250.3 Up to 120 days. Up to 120 days. Up to 60 days.
Extended warranty.3 Up to 24 months. Up to 24 months. Up to 12 months.
Identity theft resolution services.3 Full. Full. Partial.
Identity theft reimbursement.3 $10,000. $5,000. $5,000.
Fraud text alerts.
Chip-and-PIN security.
Zero liability protection.4
No foreign transaction fees.2 — —
Minimum qualifying credit limit. $5,000 $1,000 $500
Annual fee. $49 ($0 first year). None. None.

*Bonus points expire one year from date awarded.
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. 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.
3Certain restrictions apply. See guide to benefits for the STCU MastercardSTCU Rewards World Mastercard, or STCU Premier Rewards World Mastercard.
4Certain restrictions apply. 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.

You earned 'em. Now it's time to redeem your points for:

  • Airline tickets.
  • Gift cards and merchandise.
  • Cash back to your STCU accounts.
  • Cruises and travel packages.
  • Make a donation to your favorite charity
  • Gift points to another deserving STCU member (must have an STCU rewards card).

To track or redeem points, log into STCU online banking or call (855) 445-6719. Certain restrictions apply, so read the STCU rewards card terms and conditions.



Transfer balances and save!

Immediately lower your cost of debt with a balance transfer from other high-priced credit cards and loans to your new STCU Mastercard any time during the first 60 days. You'll get 1.90% intro APR for 12 months on your balance transfer (7.99% to 17.99% APR thereafter for traditional card; 10.49% to 20.49% variable APR for rewards cards.)

STCU card disclosures/agreements

Traditional Mastercard: Disclosure | Agreement
World Rewards Mastercard: Disclosure | Agreement
Premier Rewards Mastercard: Disclosure| Agreement


Rewards cards FAQs

Does it cost to participate in an STCU rewards program?

No. However, 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. Consult your STCU Rewards Program Terms and Conditions

How do I select or change my card's personal identification number (PIN)?

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

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

No. Each of you will need to call and select a unique PIN for each card on your account.

How do I earn rewards points?

You earn one point for every $1 spent on purchases with an STCU Rewards World Mastercard. However, 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?

Log into STCU's online banking and your points will be displayed on the right side of the screen.

How do I redeem my points?

Log into STCU online banking and click "Go to rewards." There you will find options for redeeming your points. You can also 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 and click on "Go to rewards." Then, click on "Earn," where you'll find a "Select Categories"” button. Choose your two categories. When you click "save," you are locking in your selections for 90 days.

You can also 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 add up quickly with the STCU Premier Rewards World Mastercard, where there is no 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. Bonus points expire one year from the date they're awarded (unless otherwise disclosed in the terms of the promotion or bonus points offer). Gifted points transferred to 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?

No. 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?

Typically the day after you earn them.

Who do I contact if something goes wrong with a flight that I purchased 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.

Can I get airline frequent flyer miles for airline tickets I purchase with STCU points?

Yes. Provide your airline frequent flyer number on the booking website, or speak to a booking agent if you redeem your points by phone.

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.