A card that lets you make purchases on credit.
SMACU credit cards are a smart alternative to cards offered by big banks. Save more of your money with the elimination of common fees that many other banks charge with our Mastercard credit cards. Along with no annual fee, we do not charge a balance transfer fee.
You can use it anywhere, for anything, whether that’s on big expenses like vacations or just to build your credit score with day-to-day purchases. As a bonus, all of our cards are EMV compliant and come with fraud monitoring for extra security.
- 9.90% Fixed APR*
- No balance transfer fees
- No annual fee
- Credit limit up to $20,000
- No Universal Default Clause*
- 25-day grace period on all new purchases
- Accepted worldwide
- 24-hour lost or stolen card reporting service. Dial 1-800-991-4964
- 24-hour member service. Dial 1-800-808-7230
- For your Credit Card Agreement, please call us at 1-800-387-7171
SecurLOCK – Protect your cards directly from your phone
- Turn your cards on and off
- Control where your cards can be used
- Receive instant alerts
To learn more or to download the FREE app, search for SecurLOCK Equip in your app store.
- SecurLOCK — iTunes® app | Google Play app
Make online payments at www.ezcardinfo.com.
To report a lost or stolen Credit Card call 1-800-991-4964.
Solicitation Disclosure
| Annual Percentage Rate (APR) for Purchases | Mastercard®: 9.9% |
| Cash Advance APR** | Mastercard®: 9.9% and there is no cash advance fee |
| Grace Period | 25 days |
| Method of Computing the Balance for Purchases | Average Daily Balance (Including new purchases) |
| Annual Fee | None |
| Minimum Finance Charge | $1.00 |
| Transaction Fee for Purchases | None |
| Balance Transfer Fee | None |
| Late Payment Fee | $20.00 |
| Over-the-Credit Limit Fee | None |
