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New VISA Credit Cards and New Rewards

We are updating our credit card portfolio & rewards platform.

 

Credit Cards that Fit Your Lifestyle

We believe your credit card should do more than just make purchases – it should support your financial goals. Whether you are looking to save on interest, earn rewards or build credit from the ground up, we’ve got a card that works for you.

Smart Rate Visa – Low rate, No frills card

The Smart Rate Visa is built for members who want simplicity, savings, and flexibility. With a low interest rate, it’s the ideal card for everyday purchases, unexpected expenses, or consolidating high-interest debt. Whether you carry a balance or want a reliable low-cost credit option, this card helps you stay in control and save more each month.

Visa Rewards – Earn rewards with everyday purchases

The Visa Rewards Card is built for members who love to travel and earn rewards on everyday purchases. From daily spending to dream vacations, you’ll earn valuable points while enjoying added peace-of-mind with built-in travel protections like lost luggage coverage and emergency assistance at no extra cost.

Elevate Visa – Secured card that helps you to build credit

The Elevate Visa is designed for members who are ready to build – or rebuild their credit with confidence. Whether you’re just starting out or working to improve your score, this card offers a simple, affordable way to take control of your financial future.

Benefits of a Maine State Credit Union Visa Credit Card

  • Fraud Protection with Visa’s Zero Liability Policy – it covers you if your card is ever lost or stolen.
  • Use your card at millions of places around the corner, online and all over the world.
  • Enjoy the benefits of using Apple Pay, Google Pay, or Samsung Pay. It is the easy, secure and private way to pay.
  • Manage your card, pay your balance at any time using your mobile banking app.
  • Stop into your local branch to pay your bill or ask questions.
  • Low, competitive interest rates and no annual fee.

Visa Travel Benefits

Wherever you go, your Maine State Credit Union Rewards card has you covered. Enjoy worry-free travel when you book your next trip with your Maine State Credit Union Rewards Travel Card. From lost luggage to emergency medical/dental coverage, your card includes built-in travel protection at no extra cost. Travel with confidence knowing you’re covered every step of the way.

Included coverage:https://www.mainestatecu.org/visa-travel-insurance-benefits-/

  • Trip Cancellation and Interruption
  • Trip Delay Reimbursement
  • Emergency Medical/Dental Coverage
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Auto Collision Damage Waiver – Covers theft, damage, loss-of-use charges, administrative fees, and towing charges.
  • Travel and Emergency Assistance Services – Helps with medical prescriptions, legal help, and ticket replacement.

How it works: Just use your Maine State Credit Union Rewards Visa Card to pay for your travel – flights, hotels, or car rentals – and you’re automatically covered. No extra steps. No added cost.

To learn more about travel protection benefits:
Travel Disclosure PDF

FAQs for Existing VISA Cardholders

What’s changing for VISA Gold Card holders?

You’ll be upgraded to the new SMART Rate VISA card. Reward points will no longer be available after August 13, 2025. You can redeem points until August 12, 2025 via MSCU Rewards.

Key Dates

  • Now – August 12: Redeem existing reward points.
  • August 13: Unredeemed points expire.
  • September 1: Your account becomes a SMART Rate VISA (same account number, 9.90% rate).
What’s changing for VISA Classic Card holders?

You’ll be transitioned to our new MSCU Rewards Card. All your points will be automatically transferred to the new platform.

Key Dates

  • Now – August 12: Redeem current points if needed.
  • August 13: Unredeemed points expire.
  • August 13 – September 1: Reward accrual is paused.
  • September 1: You’re upgraded to the MSCU Rewards Card (same account number, 11.90% rate).
What’s changing for VISA Secured Card holders?

You’ll be upgraded to the new Elevate VISA card. This card does not offer reward points. Any unredeemed points will expire on August 13, 2025. Redeem before August 12 at MSCU Rewards.

Key Dates

  • Now – August 12: Redeem current reward points.
  • August 13: Unredeemed points expire.
  • September 1: Account converts to Elevate VISA (same account number, 11.90% rate).