Self Reliance Financial Federal Credit Union offers VISA® Credit Cards designed to fit different borrowing needs, from balance transfers and large purchases to everyday rewards and credit building. Members can choose from low-rate options, rewards cards, and a credit-building card, all with no annual fee, no cash advance fee, no balance transfer fee, and no foreign transaction fee on the SRFFCU card lineup.
All rates listed on this page are valid as of July 1, 2026 and are subject to change without notice.
Find the Right Card for Your Lifestyle
Whether you want to transfer a balance, earn rewards on everyday purchases, or build your credit, Self Reliance Financial Federal Credit Union’s credit cards have options for different goals. We currently offer four VISA® credit cards:
VISA® Platinum – Credit Builder
The VISA® Platinum – Credit Builder card is geared toward members who want to build or rebuild their credit score.
APR1
Variable APR1: Rate as low as 17.99%
1APR is Annual Percentage Rate.
Fees
Annual Fee: None
Cash Advance Fee: None
Balance Transfer Fee: None
Foreign Transaction Fee: None
VISA® Platinum
The VISA® Platinum card works well for people who want to transfer balances or finance larger purchases while carrying a monthly balance.
APR1
Intro Balance Transfer APR1: Rate is 3.99% for 36 Months
Variable APR1: Rate as low as 9.49%
1APR is Annual Percentage Rate.
Fees
Annual Fee: None
Cash Advance Fee: None
Balance Transfer Fee: None
Foreign Transaction Fee: None
VISA® Platinum Rewards
The VISA® Platinum Rewards card is built for members who want to earn rewards on everyday spending.
APR1
Intro Purchase APR1: Rate is 5.49% for 6 Months
Intro Balance Transfer APR1: Rate is 5.49% for 18 Months
Variable APR1: Rate as low as 10.99%
1APR is Annual Percentage Rate.
Fees
Annual Fee: None
Cash Advance Fee: None
Balance Transfer Fee: None
Foreign Transaction Fee: None
Rewards
Earn 10,000 Bonus Points when you spend $2,500 on purchases in the first 3 months.
Earn 2X Points per $1 spent on Wholesale Clubs (Costco, BJ’s), Restaurants, Bars, Airfare, Gas, and Cosmetic Stores (Sephora, ULTA Beauty). Earn 1.5X Points per $1 spent on all other purchases1.
1Rewards are subject to change at any time without prior notice.
VISA® Signature Rewards
The VISA® Signature Rewards card is aimed at members who want to earn rewards tied to business-related spending.
APR1
Intro Purchase APR1: Rate as low as 5.49% for 6 Months
Intro Balance Transfer APR1: Rate as low as 5.49% for 18 Months
Variable APR1: Rate as low as 10.99%
1APR is Annual Percentage Rate.
Fees
Annual Fee: None
Cash Advance Fee: None
Balance Transfer Fee: None
Foreign Transaction Fee: None
Rewards
Earn 25,000 Bonus Points when you spend $5,000 on purchases in the first 3 months.
Earn 2.5X Points per $1 spent on Gas, Dining, Office Supply Stores, Utility Bills, Tolls and Home Supply Stores (Home Depot, Lowe’s). Earn 1.5X Points per $1 spent on all other purchases1.
1Rewards are subject to change at any time without prior notice.
1The Signature Rewards credit card is a Consumer Card that is subject to the Credit Card Act of 2009. It is not a Business issue credit card.
Benefits That Go Beyond the Card
- Digital Wallet: Add eligible cards to Apple Pay, Google Pay, or Samsung Pay for faster, more convenient purchases.
- Contactless (tap-to-pay): Pay in seconds with a simple tap—no swiping or inserting your card. Fast, convenient, and secure for everyday purchases.
- 24/7 Card Support: Get around-the-clock help with card questions, concerns, and urgent issues.
- Fraud Protection: Use your card with more confidence thanks to EMV chip technology and continuous fraud monitoring.
- Flexible Rewards Redemption: Redeem rewards points for cash back, travel, or statement credit with eligible rewards cards.
- Easier visibility for your credit card activity: Members can now view credit card transactions directly in Online and Mobile Banking, making it simpler to track spending and review recent purchases in one place.
Apply for a Credit Card That Fits Your Needs
Choose a card built for the way you spend, save, or build credit. Whether you want lower rates, rewards, or a fresh start, Self Reliance Financial Federal Credit Union’s credit cards give you options backed by personal service.
Apply for a Credit Card That Fits Your Needs
Choose a card built for the way you spend, save, or build credit. Whether you want lower rates, rewards, or a fresh start, Self Reliance Financial Federal Credit Union’s credit cards give you options backed by personal service.
Disclosures
**Business, organizational, and minor accounts may have limited access to certain features in Online and Mobile Banking.
Read more about SRFFCU’s Disclosures.
Frequently Asked Questions (FAQs)
How is the interest on credit cards calculated?
To calculate the interest on credit cards, divide your APR (10% – .10) by 365. Then multiply the balance by this number to determine the daily interest charged.
How do I make a payment?
Loan Payment Options:
- Set up AutoPay with SRFFCU
- Online and Mobile Banking Payment
- In-Person Payments
- Pay by Mail
How long does it take to get a credit card?
Once the application is approved, it typically takes 7-10 days to receive your new credit card in the mail.
Can I transfer balances from other credit cards to my SRFFCU credit card?
Yes, SRFFCU makes it easy to transfer balances from your other credit cards so you can save money with SRFFCU’s low-interest-rate credit cards.
I am a legacy SRNYFCU member. What is happening to my credit card?
Members can start using their card from 6/22/26. Any existing balance will automatically transfer to your new SRFFCU credit card account with the description “Self Reliance Financial FCU Transfer.” The transferred balance will reflect in your statement balance as of June 21, 2026.
At this time, all terms and conditions remain the same: credit limit, interest rate, and payment due date. Your new credit card comes with enhanced features such as digital wallets and tap-to-pay technology. All fees on reissued credit cards will be waived for six months, through December 22, 2026.
If you currently use your card for recurring or automatic payments, please be sure to update your payment information with your new credit card details to avoid any disruptions.