Visa Platinum Rewards

Tackling your debt doesn’t need to be difficult! You can transfer your balances to a Scient Visa® Platinum credit card and get 12 months at 0% APR† to help you blast off towards a debt-free future!

Don’t put your debt off another day, take the first step towards financial freedom! 



Scient FCU Visa Platinum







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 10.74% 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 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 10.74%, 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 5.25% as of 9/26/18. 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.

On February 17, Online Banking may be unavailable from 2:00am - 6:00am EST due to scheduled maintenance. On Monday, February 18, Scient Service Centers will be closed for Presidents' Day.