SeaComm Federal Credit Union OFFICIAL BLOG

What to Look for in a Credit Card


Whether you are applying for your very first credit card or looking to upgrade to a card that meets your needs, it’s important to research. Here are four things to look for when choosing the right credit card for you!

interest rate

A low interest rate. It’s important to shop around for a card that offers a reasonable interest rate. Your SeaComm Visa Platinum® comes with low everyday rates, allowing you to save over other bank and store cards with a rate well below the national average.




Interest-free grace period on purchases. Your SeaComm Visa® provides you with a minimum of 25 days without a finance charge on new purchases. This enables you to avoid interest charges if you pay the total “new balance” on your monthly statement each month by the due date.



Points and rewards. Select a card that allows you to earn points with every card purchase. Did you know that you earn one point for each $1 you spend with your SeaComm Visa®? You may use your points to purchase airline and travel services, quality merchandise, or even redeem your points for cash back!




No annual fees. You should not have to pay money to use your card. Enjoy the benefits of a credit card without the annual fees, with your SeaComm Visa®.

As a SeaComm member, you might already be pre-approved for a SeaComm Visa® through LoanEngine™, a loan pre-approval program that allows you to view and accept loan offers without having to come into a branch or fill out an application! If you qualify for a pre-approved offer, you will be presented with it through our SeaComm Mobile 4.0 app or NetTeller™ in the “My Offers” tab, via email, and/or a letter through the mail.

You may accept offers immediately by following the prompts, or by calling into our call center at (800) 764-0566. Click here to login to your NetTeller™ to view your current offers! If you don’t have any offers at this time, be sure to check back every 60 days.

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