Credit Cards

Sick of getting the run around from your current credit card company? Between unexpected interest rate hikes and numerous fees, now might be the time to think about switching to our Sears FCU Visa ® . But don't just take our word for it ...

In an interview with KMBC's Donna Pitman, Personal Finance Expert, Suze Orman slammed big banks for inexplicable fee and interest rate hikes on consumers -- and offered a ringing endorsement of credit unions.

"Don't get me started with these credit card companies, these banks -- it's like, 'What are they thinking?'" Orman said.

"Here's the answer: Credit unions," she said. "They are different than banks. Most banks are owned by their shareholders. They're responsible to these shareholders and it happens to be on the stock exchange, so anything to increase earnings and profits. Credit unions have members. They're responsible to the members. So, many credit unions -- not all -- are giving you no balance-transfer fees, low interest rates. They're being ethical and honest."

With our Sears FCU Visa, you receive many important benefits, but best of all-you reward yourself every time you use it, thanks to our U Choose Program. U Choose allows you to earn points for your purchases and you can redeem them for anything from our HUGE online rewards catalog! It’s easy, you earn 1 point for every $1 for each transaction and you earn points everywhere you card is accepted. For more details visit www.uchooserewards.com!

So think about it, one low fixed rate and being rewarded for what you buy? Our Sears FCU VISA® does it all and should be the only card in your wallet! Fill out your application today and either mail it, fax it or bring it to us and we’ll help you transfer your balances from your other cards to our one card that does it all!

For the terms and conditions of our VISA® credit card, please read our disclosure. Click here for details.

Annual Percentage Rate* (APR) for purchases
as low as 9.95% APR

Grace period for repayment of balance of purchases None

Annual Fee None

Minimum Fianance Charge $1.00 (unless purchase daily balance is zero.)

Foreign Transaction Fee 1% of transaction amount calculated in U.S. Dollars

Cash Advance Fee The finance charge is computed by applying the daily periodic rate to the average daily balance of cash advances.

Late Payment Fee $30 or 5% of the minimum payment amount, which ever is greater, will be added to your account.

Over-the-Credit Limit Fee $30. You will be charged the fee each subsequent month until your new balance on the statement date, less any fees imposed during the cycle, is BELOW your credit limit.

Annual Percentage Rate* (APR) for purchases	as low as 9.95% APR
Grace period for repayment of balance of purchases	None
Annual Fee	None
Minimum Fianance Charge	$1.00 (unless purchase daily balance is zero.)
Foreign Transaction Fee	1% of transaction amount calculated in U.S. Dollars
Cash Advance Fee	The finance charge is computed by applying the daily periodic rate to the average daily balance of cash advances.
Late Payment Fee	$30 or 5% of the minimum payment amount, which ever is greater, will be added to your account.
Over-the-Credit Limit Fee	$30. You will be charged the fee each subsequent month until your new balance on the statement date, less any fees imposed during the cycle, is BELOW your credit limit.