Build credit the SAFE way. Our Visa credit card programs offer low introductory interest rates, enhanced security features, and a series of special perks and rewards that will help put money back in your pocket—all designed to help you meet your day-to-day needs.


Waiting to hear back on your credit card application? You can easily check the status of your application through our online portal. 

Credit Card Features

SAFE has two credit card options for members—the Rewards Visa and the Low-Rate Visa. The first offers cardholders access to a special points program, while the second keeps interest rates low for those interested in keeping costs as minimal as possible.

Both the Rewards Visa and the Low-Rate Visa are eligible for the following after a new account is opened:

  • 0% introductory rates for the first twelve months
  • A 1.99% introductory rate for balance transfers

Depending on the credit card program they’ve chosen to pursue, cardholders have the potential to access the following features:

Like what you see? Get access to a SAFE Visa and start building credit today.

Important Contact Information

  • Card Activation (within the USA) – 800-631-3197
  • Cardholder Select PIN (if applicable) – 888-886-0083
  • CURewards (if applicable) – 800-637-7728
  • Customer Service – 855-556-1963
  • Reporting a Lost or Stolen Card (within the USA) – 800-449-7728
  • Reporting a Lost or Stolen Card while Abroad – 727-571-2200
  • Statement Payment Address – Visa, PO Box 71050, Charlotte, NC 28272-1050

What Will It Take to Pay Off My Credit Card? Calculator

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

Access Credit Card Debt Calculator


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

Beginning on the first day of the 12 billing cycles after the account has been open, 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.

How We Calculate 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, call 800-763-8600 or 803-469-8600, or write to SAFE Federal Credit Union at PO Box 2008, Sumter, SC, 29151-2008.

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

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