Credit Cards

Build credit the SAFE way. Our Visa® credit card programs offer low introductory interest rates, enhanced security features, and rewards that can put money back in your pocket.

Rewards Visa Credit Card

  • No Annual Fee
  • $500 Minimum Credit Line
  • 14.24%-18.00% APR*
  • CU Rewards—Cashback points on every purchase
SAFE Credit Union Credit Card (Rewards VISA)
Apply Now

Low-Rate Visa Credit Card

  • No Annual Fee
  • $500 Minimum Credit Line
  • 13.24%-18.00% APR*
SAFE Credit Union Credit Card (Low-Rate VISA)
Apply Now

Credit Card Features That Work For You

You'll have two options when you become a cardholder at SAFE—the Rewards Visa and the Low-Rate Visa. The first offers access to a special points program, while the second keeps interest rates low. Whichever you choose, you'll enjoy these benefits from day one:

credit card Schumer Box
Business Support

Merchant Services

SAFE is proud to offer merchant services through our partner Electronic Merchant Systems®. We work with large and small business to provide convenient payment processing, including credit and debit card processing, EMV and Apple Pay®, mobile processing, and more. 


What Will It Take to Pay Off My Credit Card?

Trying to develop a payment plan to get credit card debt off your mind? Use SAFE’s helpful calculator to see how long it might take for you to be debt free.

SAFE Cents

What is a Credit Score?

Your credit score can range from 300 to 850. The higher your score, the easier it may be to borrow money. But what does that really mean?

Important Credit Card Contact Information

Do you need to activate a new credit card, ask a question about your bill, or report a lost or stolen card? Reference this contact information when you need assistance with your card.

Your credit card can be quickly and easily activated in your SAFE Federal Credit Union Mobile App. Simply click on 'Card Management,' select the card you want to access, then click 'activate.' You also can activate your card by calling 800-631-3197.

Your credit card can be quickly and easily reported lost or stolen in your SAFE Federal Credit Union Mobile App. Simply click on 'Card Management,' select the card you want to report, then click 'card is lost or stolen.' You also can report your card lost or stolen by calling the following numbers:

Within the USA: 855-556-1963

While Abroad: 727-571-2200

PO Box 71050 
Charlotte, NC 28272-1050

To check the status of a pending application, visit our secure online portal at the link below and enter your information.

Check Application Status

Get Rewarded the SAFE Way

Ready to become a SAFE cardholder and start unlocking major perks? For fastest results, complete our brief online credit card application today.


Special introductory rates mentioned above, including the 0% APR for the first 12 months and the 1.99% APR for balance transfers, are offered on purchases for the first 12 billing cycles after a new account is opened.

Beginning on the first day of the 12 billing cycles after the account has been opened, purchases and cash advances will be subject to the approved interest rate and any changes based on Wall Street Journal prime disclosed at account opening. 

*APR = Annual Percentage Rate are based on credit worthiness and prime rate. Your APR will vary with the market based on the Wall Street Journal prime rate. 

View more information and disclosures for our Visa Platinum Rewards Credit Card.

View more information and disclosures for our Visa Platinum Low-Rate Credit Card.

How We Calculator Your Balance

We use a method called the “average daily balance (including new purchases).” See your account agreement for more details.

Billing Rights

See your account agreement for information on your rights—i.e., how to dispute transactions and exercise those rights, among other things.

Security Interest

SAFE Federal Credit Union will acquire a security interest in the property purchased with your credit card. Collateral securing other loans with us may also secure this account. Also, you are giving us a security interest in all individual and joint share and/or deposit accounts you have with us now or in the future. 

The costs of these cards, as described in this application, are accurate as of April 2, 2020. This information may have changed—to get the most up-to-date information on costs:

To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau

Get details regarding your Classic Visa Platinum Rewards Card—effective for accounts opened from January 1st, 1989, through July 22nd, 2015.