SSFCU Rewards Program Review

SSFCU Rewards Program Review Summary

The Security Service Federal Credit Union Rewards Program is the 15th best credit card rewards program, according to WalletHub's latest comparison, receiving 75 points out of a possible 100. The SSFCU Rewards Program features one cash back credit card, the Security Service Power Cash Back World Mastercard®. It also has two credit card with rewards points, the Security Service Power Travel Rewards World Mastercard® and the Security Service Power Rewards Mastercard®.

SSFCU Rewards Program points are generally worth 0.41 cents to 1 cent apiece, depending on how you redeem them. There are plenty of redemption options, from statement credits to travel to gift cards.

SSFCU Rewards Program Review Scorecard

#3 for Earning Policies
#15 for Redemption Policies
#17 for rewards Value per $1 Spent
#1 for Eligibility & Transparency

Best SSFCU Rewards Program Credit Cards

Summary: SSFCU Rewards Program Scores by Review Category

How to Earn SSFCU Rewards

Category Rating: 95% (29/30)

You will earn 1 - 3 points per $1 spent or 1.5% cash back with a SSFCU Rewards Program credit card.

Noteworthy Features:

• Annual bonus: With the Security Service Power Travel Rewards World Mastercard®, you will get an annual bonus equal to 10% of the total number of points earned during the previous 12-month period. You will receive this bonus on your account anniversary.

Earning Restrictions: The SSFCU Rewards Program has no notable earning restrictions.

How to Redeem SSFCU Rewards

Category Rating: 42% (8/20)

The best way to redeem SSFCU rewards is for cash back, which is true for both cards in the program. However, it’s worth noting that the Security Service Power Travel Rewards World Mastercard® offers multiple redemption options, while the Security Service Power Cash Back World Mastercard® only lets you redeem for cash back.

Below, you can learn more about the different redemption options available through the SSFCU Rewards program.

Cash Back

You can redeem for a statement credit or an electronic deposit to your bank account.

Travel

You can book new travel through SSFCU’s booking tool in your online account.

Gift Cards

You can use your rewards to get gift cards for popular retailers such as Best Buy and the Apple App Store. You can also get general-use prepaid cards on the Mastercard network.

Merchandise

You can use your rewards to directly purchase various items online, such as kitchen utensils, toys and jewelry.

Noteworthy Features & Restrictions:

• Rewards don’t expire: Your SSFCU Rewards Program rewards won’t expire as long as your account remains open and in good standing.
• No transfer partners: The SSFCU Rewards Program does not offer the ability to transfer points or cash back rewards to other companies’ loyalty programs.
• Limited options on one card: The Security Service Power Cash Back World Mastercard® only lets you redeem your rewards for cash back.

SSFCU Rewards Value per Point

Category Rating: 60% (18/30)

SSFCU Rewards Program points are worth 0.41 cents to 1 cent apiece, depending on how you redeem them. You will earn 1 - 3 points per $1 spent with the Security Service Power Travel Rewards World Mastercard®.

You will earn 1.5% cash back on all purchases with the Security Service Power Cash Back World Mastercard®, and $1 in rewards = $1 in cash back.

SSFCU Rewards Program Eligibility & Transparency

Category Rating: 100% (20/20)

All three SSFCU credit cards are in the SSFCU Rewards Program, though the cards are split between offering points and cash back.

Popular SSFCU Rewards Credit Cards

Security Service Power Travel Rewards World Mastercard®	Security Service Power Cash Back World Mastercard®
3.6WalletHub Rating WalletHub Rating 3.6 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 "Earn Gas Rewards." 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 3.6 fees: 5.0 rewards: 3.3 cost: 3.7 Other Features: 0.0	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 "Earn Rewards." 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: 4.6 rewards: 3.3 cost: 3.6 Other Features: 0.0
(1)	(1)
annual fee$0	annual fee$0
Purchase Intro APR0% for 6 months	Purchase Intro APRN/A
transfer intro apr0% for 6 months Transfer Fee: 2% (max $200)	transfer intro aprN/A
Regular APR14.50% - 15.50% (V)	Regular APR15.20% - 18% (V)
rewards rate Earn 3 Rewards Points for every $1 spent on gas, travel, and dining; 1 point for every $1 spent on all other purchases 1 - 3 points / $1	rewards rate Earn 1.5% cash back on every purchase. 1.5% Cash Back
bonus offer 20,000 points	bonus offer $100
Learn More SponsoredApply Now  Learn More	Learn More SponsoredApply Now  Learn More

For more information, check out the best SSFCU credit cards on WalletHub.

5 Tips for Getting the Most Out of the SSFCU Rewards Program

1. Pick the right card & use it wisely 
   SSFCU rewards cards offer different types of rewards and different bonuses. Your job is to find a card that complements your particular needs.
   

2. Redeem regularly
   The whole point of earning credit card rewards is to enjoy the savings they provide. If you just leave your SSFCU Rewards Program rewards sitting in your account unused, they won’t do you much good.
   

3. Pay your bill on time every month
   Your SSFCU Rewards Program rewards won’t expire as long as your account remains in good standing. In other words, you have nothing to worry about if you pay your monthly bills on time.
   

4. Pay your bill in full every month
   Paying interest at a credit card’s regular APR will end up costing you more than rewards save you. Paying in full monthly allows you to avoid interest charges.
5. Redeem before closing your account
   You will lose any SSFCU Rewards Program rewards left unredeemed when you close your account.

SSFCU Rewards Program vs. Chase Ultimate Rewards vs. NFCU Rewards

SSFCU Rewards Program Review Methodology

This review of the SSFCU Rewards Program is based on the same methodology as WalletHub’s annual study on the Best Credit Card Rewards Programs. Editor’s ratings reflect the sum of each program’s scores across the study’s four major categories, adjusted to a 5-point scale to create a representative distribution of ratings. The four major categories considered were: Earning Policies, Redemption Policies, Rewards Value per $1 Spent and Eligibility & Transparency.

WalletHub calculated SSFCU Rewards Program point/mile values by comparing the dollar value of redemption items against the number of points/miles needed for each.