Visa Platinum Rewards

Visa Platinum Balance Transfer

We have a special deal for Scient Visa® Platinum Cardholders!

When you transfer balances from other credit cards to your Scient Visa® Platinum Credit Card, you’ll get 0% APR† for 12 months! There’s no need to balance more than one payment, just transfer and save!

This offer is valid for cards opened before June 1, 2017.

Transfer Now 
or call Consumer Lending at 860-441-0904 to get started.

Scient FCU Visa Platinum

 

 

 

 

 

 

Apply Online 
Disclosure • Rules & Conditions

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With a Scient Federal Credit Union VISA® Platinum Rewards card, spend your money paying down your balance rather than paying the interest on your previous purchases for the next 12 months.**

Enjoy the security and convenience of using VISA worldwide while earning rewards points on all your purchases. For the member that wants to earn rewards points for their spending with a super low rate and lots of reward options.

• No annual fee
• Rates as low as 10.24% APR*
• 0% on balance transfers over $3,000 for 12 months **
• 1.90% on balance transfers under $3,000 for 12 months**
• Earn 5,000 bonus points for first balance transfer over $3,000**
• Earn 1,000 bonus points for first balance transfer under $3,000**
• 1.90% on purchases for 12 months**
• Earn 1 point for every $1 spent
• Redeem points for travel or merchandise
• Dozens of other cost-saving benefits

At no additional cost to you, all Scient VISA cards come with:

    • Special VISA discount offers
    • 25-day grace period on all purchases
    • Easy payment options
    • 24/7 online account access in online banking
    • VISA zero liability protection
    • Free text or email account alerts to verify your purchases***
    • Free eStatements
    • Low rate balance transfers
    • Cash advances at any VISA or PLUS® ATM
    • Auto Rental Collision Damage Waiver****
    • Cardholder Inquiry Service****
    • Emergency Visa Card Replacement****
    • Emergency Cash Disbursement****
    • Lost/Stolen Visa® Card Reporting
    • $1 million Travel Accident Insurance****

Additional services

  • Verified by Visa: the free and easy way to enjoy added security for all your online Visa card purchases.
  • CU Rewards: redeem your points now for merchandise, travel, gift cards, and more.

 

†APR = Annual Percentage Rate. Offer valid for Scient Visa® Platinum Rewards cards. Scient Visa Platinum Rewards cards opened before March 30, 2014; Balance transfer fee is 3.00% or $50.00 whichever is less for the amount of each balance transfer. Scient Visa Platinum Rewards cards opened after March 31, 2014; Balance transfer fee is minimum $10.00 or 3.00% whichever is greater (Maximum Fee of each balance transfer request is $150.00). The 0% APR promotional rate will apply on minimum balance transfers of $500, but no more than $5,000 for 12 months from the transfer date. After that period, your rate will increase to your current Visa Platinum rate. Your rate is based on adding a margin to the Prime Rate. The Prime Rate used to determine your rate is published in the Wall Street Journal quarterly (February, May, August, and November) and changes are effective as of the first day of your next billing cycle. Current prime rate is 4.75% as of 3/21/18. Certain restrictions may apply. Refer to your card’s terms and conditions for additional information. Promotion is valid June 1 – July 31, 2018. Request for balance transfer must be received by SFCU no later than July 31, 2018 to qualify.

**Offer valid for new Scient Visa Platinum Rewards cardholders only. Balance transfer fee is $10.00 or 3.00% of the amount of each balance transfer, whichever is greater (Maximum Fee of each balance transfer request is $150.00). The 1.90% promotional rate will apply on all purchases for 12 months from the account opening date. The 0% promotional rate and 5,000 bonus points will apply on balance transfers over $3,000 for 12 months from the account opening date. Rate for balance transfers under $3,000 is 1.90% for 12 months with 1,000 reward points. After that period, your rate will increase to at least 10.24%, but no higher than 18% depending on your credit score. Your rate will be based on adding a margin to the Prime Rate. The Prime Rate used to determine your rate is published in the Wall Street Journal quarterly (February, May, August, and November) and changes are effective as of the first day of your next billing cycle. Current WSJ Prime Rate is 4.75% as of 3/23/18. Certain restrictions may apply.

***Text message fees may apply.Please check with your cell phone provider.  See VISA Platinum Guide to Benefits for complete details.