SECU Credit Cards

17 Reviews

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State Employees of Maryland Credit Union Rewards Visa

0 out of 5 rating

3.5WalletHub Rating

WalletHub Rating

3.5

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Market Comparison

3.5

fees: 5.0

rewards: 3.3

cost: 3.0

APR: 3.5

Purchase Intro APR0% for 12 months

Transfer Intro APR0% for 12 months|Transfer Fee: 3%

Regular APR15.49% - 23.49% (V)

Purchase Intro APR

0% for 12 months

Transfer Intro APR

0% for 12 months|Transfer Fee: 3%

Regular APR

15.49% - 23.49% (V)

annual fee

rewards rate

1 point / $1

minimum credit

Excellent

WalletHub's Take

Pros

No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
No foreign fee

Cons

No initial rewards bonus
Balance transfer fee
Requires excellent credit

Read our editor's full State Employees of Maryland Credit Union Rewards Visa review.

Rewards Details

Earn 1 point per $1 spent on all purchases.
Points have no limit and never expire.
More than 1,600 rewards items to choose from.

Additional Info

0% introductory APR for 12 months on balances transferred within 90 days of account opening.

Pros, Cons, & Details

Compare

SECU Credit Card Reviews

2.1

What's Your Rating?

sara de
July 9, 2025 • @sdejesus1234

OMG! They are the worst. I've been with them for 10 years, and they charged me a $30 fee for a declined charge and won't refund it, which is insane. Don't waste your time with them; they don't care.

Product: SECU Credit Cards

Comment

Richard Strathen
October 10, 2024 • @rstrathen

Verified Customer

SECU removed autopay from my account without my knowledge. This was directly responsible for the only late payment on any of my accounts on my credit report. I only discovered the late payment thru an alert from a credit reporting agency. Secu made no effort to contact me about this issue. I contacted Secu immediately to correct the problem. They claimed no responsibility for their actions.

Product: SECU Credit Cards

Comment

Cici davis
March 20, 2024 • @cicic

My father is elderly and has over $7,000 in fraudulent charges on his credit card. I called to dispute the charges, and now, after 5 months, there is still no resolution. They continue to try to charge him interest and require him to make monthly payments. They have reported him as late, even though they assured me they would not do so while the investigation was underway. I investigated the charges myself and in less than 20 minutes, I found out it was a known scam. Brianna, who was a supervisor in card services, said they couldn't handle it because it was charged during a system transition. She transferred me to Ambrosia in member services, who then said she couldn't assist me with any issues from 2023. My elderly disabled father and I are now required to visit the credit union in person for help. I'm planning to sue and close all of his accounts. I have spent over 12 hours on phone calls each month.

Product: SECU Credit Cards

Comment

Da Em
February 1, 2024 • @Giventofly08

SECU changed over Credit Card payment systems in August/September; however, they cancelled all Auto-pays on every single credit card in doing so. Their solution was to send letters in the mail to make you aware -- but they do 0 sanity checks to ensure the addresses are correct. As a result, I now have delinquency on an account they refuse to modify because "they followed their protocols". 20 hours on the phone with card services/member services and the ineptitude was quite staggering. I had a member of card services literally tell me to call the number for card services to get someone that could help me....and SECU continues to do nothing. DO NOT USE THIS BANK.

Product: SECU Credit Cards

Comment

Ron W
November 10, 2023 • @kimishair44

Verified Customer

Love this card . i had a heart attack and didn’t get paid so this card came in handy for me during this difficult time i had to pay bill , by food pay for doctors appointments so glad i had it .

Product: SECU Credit Cards

Comment

Ccolumbia16
October 16, 2023 • @Ccolumbia16

SECU new card services is the worse!!! I called and requested a call back and upon receiving the call it stated it was a spam call, took a chance in answering and it didn’t say SECU it said “This is” and followed by press 1 or 2. Got a gentlemen from card services, ask to fully identify hisself before discussing any personal business in ref to my acct. he did but couldn’t assist me at all, so told me to call the 800-879-7328 number. Totally speechless. Called back at the numbers listed on the invoice and was placed on hold for a 1/2 hr, so I hung up!! This is ridiculous.

Product: SECU Credit Cards

Comment

marie_t21286
October 10, 2023 • @marie_t21286

Worst customer service in the county. They put you on hold and never pick up. They ask you to leave your phone number and they will call you back but they never get back to you.

Product: SECU Credit Cards

Comment

jianhuicheng
September 27, 2023 • @jianhuicheng

Verified Customer

My existing Credit Card will expire in Nov 2023 (now is Sept 2023). Some days ago when I used my CC I found my CC blocked.

From the website I found it was replaced by a new card.
But I have not received any new card (hence it gets no chance to get activated).

Also I have several thousand of "Rewards" points there. SECU reset it to 0.

I sent a secure message to SECU. No response at all.

Product: SECU Credit Cards

Comment

Jeffrey
January 11, 2023 • @jeffreyb_103

Verified Customer

Great card to have the benefits and cash rewards where an additional benefit to the large credit limit. Easy process to apply for this card as well

Product: SECU Credit Cards

Comment

John John
June 13, 2022 • @armyranger7070

Stay away from this credit union. Dont waste your time. They are the worst in the nation. They dont allow google reviews no wonder why. They are very disorganized lack of leadership with poor customer service. Very bias & the negative list goes on.

Product: SECU Credit Cards

Comment

Review SECU Credit Cards

SECU Credit Card Q&A

Get answers to your questions about SECU Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

How can I qualify for a SECU Credit Card graduation?

Derek Herrera

You cannot qualify for a SECU Credit Card graduation.

SECU recommends using their secured card for at least a year before trying to apply for any of their unsecured cards. Once you're there, make sure to check their credit score requirements first, to be certain you qualify!

Upvotes

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* The information about the following cards has been independently collected by WalletHub: State Employees of Maryland Credit Union Rewards Visa.