No tricks, just perks
All the control of debit, plus rewards.
Overview
Did you know that using a credit card instead of a debit card can offer several advantages? Credit cards allow you to earn cash back on your purchases while building your credit history and providing better fraud protection. Plus, with our SmartSweep feature, you can enjoy the convenience of using your credit card like a debit card.
Why use an RCU Visa® Credit Card?
SmartSweep
Automatically pays your balance, so you spend like debit and earn like credit.
How does a SmartSweep payment work?
Link your checking or savings account and let us take care of the rest. Our automated system will transfer funds to pay your credit card balance on the schedule you choose.
Whether you want to pay off the full balance each day, week or every other week to avoid interest, make the minimum payment to stay current on your bill, or transfer a fixed amount regularly to chip away at your balance, we have options for you.
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1
Log in to digital banking
Log in to your RCU account and select your credit card loan
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2
Select the Card Services tab
From your credit card transaction page, please select the card services tab
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3
Select the SmartSweep payment button
Follow the prompted instructions to set up your desired payment frequency
Credit Card Benefits
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Earn Cash Back
You already earn points on every purchase redeemable for cash back. Use your cashback to pay for your next big purchase or vacation!
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Cell phone protection
Reimbursement up to $250 for a platinum card and $500 for a signature card in the event your device is stolen, or damaged. Applies when you make your monthly cellular wireless phone bill payment with your eligible card.
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Auto rental collision damage waiver
Coverage for damage due to collision or theft on covered rental cars.
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Travel and emergency assistance
Helps secure medical, legal, and other assistance if an emergency arises when traveling.
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Platinum Card Benefits
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Signature Card Benefits
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
No surprises. No hidden fees. Just a credit card that pays off, every day.
With SmartSweep, enjoy flexible, automated payments that work for your lifestyle so you don’t have to worry about paying off your credit card all while earning the rewards you deserve.
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*Rates effective April 24, 2025. Cash advance transactions and balance transfers are excluded from earning points. All rates, terms and special offers subject to change. Certain restrictions apply.
SmartSweep is an optional payment service available for RCU credit cards. Member must meet certain eligibility criteria to enroll in SmartSweep, set the designated payment schedule, and have sufficient available funds to cover the scheduled payment. If sufficient available funds are not in the designated account, payment will not occur, and it is the Member’s responsibility to ensure all required credit card payments are made. Cash advance transactions and balance transfers are excluded from earning points. Certain restrictions may apply.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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