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Smiley face points
Smiley face points
Smiley face points
traditional mastercards

0% intro APR for 18 months.*

APR thereafter.*

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View rates and terms

That make you smile.

Enjoy the rewards of STCU membership, with credit cards from the organization you love.

The STCU Mastercard ® is great for reserving hotel rooms, airline tickets, or a table at your favorite restaurant. And because its recognized at millions of stores and websites worldwide, you can make quick and secure purchases with your card or your phone, when it's set up in your digital wallet.

Choose from rewards cards, accumulating points to redeem for cash, merchandise, or charity, or a traditional card with one of the lowest fixed rates around. 

Earn up to 5x points on your DIY projects.

Illustration of a bonus point with a hammerUse your STCU rewards credit card and earn up to 5x points on purchases at qualifying home improvement stores, April 1 – June 30, 2022.

Learn more about bonus points

Credit card options

Compare all cards

Traditional card.

Enjoy the lowest rate possible with our traditional, fixed-rate STCU Mastercard, with no annual fee!

STCU Rewards World Mastercard ®

Your World card has no annual fee and earns points on every dollar spent. Receive 10,000 bonus points when you make $1,500 in purchases the first 90 days. Earned points never expire with your World card. 1

STCU Premier Rewards World Mastercard ®

Your Premier card earns 3x points on most travel purchases, 2x points on two spending categories of your choice, and 15,000 bonus points when you make $1,500 in purchases the first 90 days. Earned points never expire with your Premier card. 1

Redeem points!

To track or redeem your points, log into STCU online banking or call (855) 445-6719 to complete one of the following transactions (restrictions may apply, so read the terms and conditions):

  • Airline tickets.
  • Gift cards and merchandise.
  • Cash back to your STCU accounts.
  • Cruises and travel packages.
  • Make a donation to your favorite charity.
  • Gift points to a deserving STCU member.

Questions about credit cards?

HelloFresh! And other rewards.

Now you can use your STCU rewards card to earn discounts and credits for meal kits, delivery services, rides, movie tickets, and more from HelloFresh, DoorDash, Lyft, and Fandango. 

How it works

Payment options.

We offer several ways to pay your STCU Mastercard.

Lost or stolen cards.

Here's what to do if you believe your card has been lost or stolen.

Text alerts.

Get fraud alerts on suspicious card transactions. Sign up for transaction alerts to also notify you based on options you choose.


All loans subject to approval.

*0% intro annual percentage rate (APR) for 18 months on purchases for most credit cards. Thereafter, the rate is 9.99-20.99% APR for traditional cards; 9.49-19.49% variable APR for rewards cards. Introductory rate availability based on creditworthiness. Not all applicants will qualify for these rates.

1Bonus points expire one year from date awarded. Earned points never expire, with at least one purchase every 24 months. See the STCU rewards card terms and conditions.

2This bonus points promotion is only available February 24 - March 5, 2022. on purchases at your favorite bars and restaurants. Not all merchants qualify. STCU does not qualify merchants. Please check with the merchant you are interested in. 

Bonus points vary depending on which STCU rewards card you use. To earn 5x points, get 3x bonus points using your STCU Premier Rewards World Mastercard® and another 2x points by selecting "Restaurants" in advance as one of your two spending categories. When you use your STCU Rewards World Mastercard, which does not have spending categories, you earn 3x bonus points dining out and another 1x points as part of your purchase, for a total of 4x points.

Certain restrictions apply. See guide to benefits for the STCU MastercardSTCU Rewards World Mastercard, or STCU Premier Rewards World Mastercard.

Credit card disclosures and agreements:

Traditional Mastercard disclosure | Traditional Mastercard greement
World Rewards Mastercard disclosure | World Rewards Mastercard agreement
Premier Rewards Mastercard disclosure | Premier Rewards Mastercard agreement

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.