Woman typing on computer with credit card in hand.

Credit Cards

We offer contactless VISA Credit Cards for qualified members.

Our No Fee contactless Visa Credit Card is the most accepted credit card in the world. It provides cash advances at ATMs and financial institutions worldwide. If you have no credit history, consider our secured VISA Credit Cards. All regular and secured credit cards of the same class have the same features. We also offer a Card Reward Program. Login to your online banking to learn about rewards you can earn when using SUMA FCU credit cards.

Our philosophy is not to make money on fees, but to encourage the responsible behavior. That's why all our cards work for you:

  • APR*: 9% for Visa Classic and 10.95% for Visa Business Platinum
  • No annual fee
  • Same APR for purchases and cash advances
  • No penalty APR
  • No balance transfer fee
  • 5 days grace period for late payments
  • No cash advance fee
  • Low late payment fees
  • Fixed APR
  • Low international transaction fees
  • Fraud protection – Zero fraud liability
  • Earn rewards when you make purchases to be redeemed for gift cards, travel, and even cash! A reward point is earned with every dollar spent! 
To redeem your SUMA Card Rewards, log in to your online banking account or call 1-855-854-5493 for account and reward redemption information.
  • APR*: 9%
  • Annual Fee: No
  • Balance Transfer Fee**: No
  • Cash Advance Fee**: No
  • Penalty APR: No
  • Grace Period for late payments: 5 days
  • Late payment Fee: $10.00
  • International Transaction Fees: 
    • multiple currency transaction in USD - 1.00%
    • single currency transaction in USD - 0.80%
  • Minimum Credit Limit: $1,000.00
  • Maximum Credit Limit***: $15,000.00
  • Fraud Protection: Zero Fraud Liability
    Requirements: 
  • For Regular Credit Card: Valid SSN, Good Credit.
  • For Secured Credit Card: Valid SSN or Tax ID Number, Pledge of Shares Agreement.
If you are ready to open a Visa Classic Credit Card now, click the corresponding button below.
 
 
 
Please note: Non-members need a sponsor to become a member
  • APR*: 10.95%
  • Annual Fee: No
  • Balance Transfer Fee**: No
  • Cash Advance Fee**: No
  • Penalty APR: No
  • Grace Period for late payments: 5 days
  • Late payment Fee: $20.00
  • International Transaction Fees: 
    • multiple currency transaction in USD - 1.00%
    • single currency transaction in USD - 0.80%
  • Minimum Credit Limit: $1,000.00
  • Maximum Credit Limit***: $15,000.00
  • Fraud Protection: Zero Fraud Liability
    Requirements:
  • For Regular Credit Card: Valid SSN for the owner(s) of business,
    Good Credit. 
  • For Secured Credit Card: Valid SSN or Tax ID Number for the owner(s) of business, Pledge of Shares Agreement. 
If you are ready to open a Visa Business Platinum Credit Card now, click the corresponding button below.
 
 
 
Please note: Non-members need a sponsor to become a member










We are looking out for you!
SUMA FCU continuously monitors, detects, and prevents card fraud. High risk transactions are reviewed by a fraud analyst, and if fraud is suspected, the analyst will attempt to contact you to verify the legitimacy of the transactions.

If fraud is confirmed, the card is immediately disabled to prevent further activity, and we will issue you a new card per your request.

If by chance we cannot reach you to confirm activity, the card will be temporarily blocked until contact is made. If you have any questions or concerns, contact us at 914-220-4900

Learn how to protect yourself from identity theft and fraud by visiting our Theft Protection page.
 
* APRs for purchases, balance transfers and cash advances are the same. Rates are subject to change.
** We begin charging interest on cash advances and balance transfers on the transaction date.
*** Certain limitations and restrictions apply. For additional information, contact our Member Service Team at (914) 220-4900 during business hours.