Credit Cards
Keep more of your money with a smart credit card from Sunward.
Sunward credit cards fit your lifestyle and budget, with:
- Low rates
- No annual fees, penalty rates, or balance transfer fees
- Contactless “tap to pay” and mobile wallet functionality
- Real-time 24/7 fraud alerts and chip security
Apply online, call us at 505.293.0500 or 800.947.5328, or visit a branch
to get started.
Visa Signature
With a 1.50% monthly rebate on purchases, and premium benefits, this is Visa's most elite card. See the application disclosure (PDF) and card agreement (PDF).
- Rebate: 1.50% monthly
- Rate: 15.50% to 18.00% 2
- Earn 1.5% cash back , plus a $100 statement credit when you spend $1,500 on purchases within the first 90 days of account opening.1
- No annual fee
- No balance transfer fee
- Minimum credit line: $5,000
- Exclusive Visa Signature benefits (PDF)
Visa Platinum Value
If you carry a balance or want to consolidate balances from higher-rate cards, the Visa Platinum Value card offers our lowest rate. See the application disclosure (PDF) and card agreement (PDF).
- Rate: 12.75% to 15.25% 2
- No annual fee
- No balance transfer fee
- $500 minimum credit line
- Visa Platinum Value benefits (PDF)
Visa Platinum Rebate
Looking for a rebate card with a lower credit limit? The Visa Platinum Rebate card offers a 1.00% monthly rebate on purchases. See the application disclosure (PDF) and card agreement (PDF).
- Rebate: 1.00% monthly
- Rate: 15.00% to 17.50% 2
- Get a $100 credit! Apply for a new Sunward Visa Platinum Rebate card and once approved, get a $100 statement credit if you spend $1,500 on purchases in the first 90 days.1
- No annual fee
- No balance transfer fee
- $500 minimum credit line
- Visa Platinum Rebate benefits (PDF)
Visa Platinum Value Secured
Sunward’s Visa Platinum® Value Secured card can help you establish or rebuild your credit – with no credit score needed to apply! Open your card account with a deposit of $300 or more, then use it to establish a positive payment record and manage your credit responsibly. See the application disclosure (PDF) and card agreement (PDF).
- Rate: 14.75% 2
- No annual fee
- No balance transfer fee
- Visa Platinum Value benefits (PDF)
Card Controls
CARD CONTROLS
Sunward offers an easier way to manage your Sunward debit or credit card – right in online or mobile banking. Turn your cards on or off, set alert preferences, and more with our Card Controls widget.
Features include:
- Instantly turn your debit or credit card on or off to control when they can be used.
- Get notified when your card(s) are used or declined.
- Report your credit card lost or stolen and request a replacement card.
- Submit travel notifications for your Sunward credit card.
- Transfer balances from other higher interest rate credit cards.
Start using these exciting features today! Log in to online or mobile banking and click on the Card Controls widget. Select the card(s) you wish to manage and complete the quick registration.
Mobile Wallets
Mobile Wallets
Add your credit and debit card details to your mobile wallet and start using your card before it arrives in the mail! With your card stored in a mobile wallet and the Sunward mobile banking app, you have constant access to your card details, eliminating the necessity to carry the physical card.
ADDING YOUR SUNWARD CREDIT AND DEBIT CARDS TO YOUR MOBILE WALLET IS EASIER THAN EVER
We've made it quick and convenient to use your cards on the go! Add your Sunward credit and debit cards to your favorite mobile wallet directly from our mobile app. Ensure you're using the latest version of the app and select a mobile wallet below to get started.
Apple Pay®
Enjoy all the benefits of your Sunward cards using Apple Pay on Apple®devices.
Google PayTM
Google Pay is the fast, simple way to pay with your Sunward credit card or debit card in stores and online.
Samsung Pay®*
Using your Sunward credit card or debit card is as easy as pulling out your phone.
VIEW YOUR CARDS DIRECTLY IN ONLINE BANKING AND OUR MOBILE APP!
Apple, the Apple logo, and Apple Pay are registered trademarks of Apple Inc.
Google Pay and the Google Logo are trademarks of Google LLC.
*Only compatible with select Visa, Mastercard, American Express, and Discover cards from participating banks and qualifying Samsung devices. Check with your bank/issuer to ensure that your card is compatible, and check the Samsung Pay Support page for additional compatibility information regarding devices, carriers, and cards. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
1 To be eligible for the $100 statement credit, $1,500 in net purchases (i.e., purchases minus credits and returns) must be made with your Sunward credit card within 90 days of the new account opening. Account must be open and in good standing at the time credit is awarded to receive the credit. These transaction types do not count as purchases: balance transfers, cash advances, checks that access your account, fees assessed by Sunward, quasi-cash items (e.g., casino chips), cash equivalents (e.g., money orders), and purchases made using a Personal Identification Number (PIN). This account is eligible for one statement credit of $100. Please allow up to four weeks after spending $1,500 to receive the credit.
All new applications are subject to terms, conditions, and credit approval. Not applicable to current credit card customers.
2 Interest Rates, Charges, and Fees
| Type | Rate, Charge, or Fee |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 12.75% to 15.25%
Visa Platinum® Value
These APRs will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 12.75% to 15.25%
Visa Platinum® Value
These APRs will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Same APR for purchases. |
| Penalty APR and When it Applies | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| Minimum Interest Charge | None |
| Annual Fees | None |
| Transaction Fees | Balance Transfer: None; Cash advance: $5; Foreign transaction: 1% of each transaction in U.S. dollars. |
| Penalty Fees | Late payment: Up to $25; Returned payment: Up to $25; Over-the-Credit-Limit: Up to $25 |
Variable Rate: The annual percentage rate for each card is subject to change semi-annually on the first day of the billing cycle to reflect any change in the Index and will be determined by the Prime Rate as listed in the "Money Rates" section of The Wall Street Journal on the last business day of March and September, to which we add a margin. Any increase in the annual percentage rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.
To report a lost or stolen credit card, call 866.820.4924. If you receive a call regarding a blocked transaction on your personal credit card, call 888.918.7313.