Credit union · NCUA insured
Scott Credit Union Credit Card Rates
Top CarrotScott Credit Union credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Scott Credit Union’s credit card rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Scott Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Scott Credit Union
11.90%APR
- Up to
- 17.90% APR
eXtreme Visa
Lowest rate
FRB Federal Credit Union
7.50%APR
- Up to
- —
2nd-lowest rate
First Community Credit Union
7.90%APR
- Up to
- 16.90% APR
Scott Credit Union credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Scott Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Credit Builder Program
Available using eXtreme Visa credit card. To qualify, must have a true zero credit score with no previous credit history reporting, no derogatory credit history reporting, one year employment at current job, proof of income with year-to-date income listed, and membership at Scott Credit Union ($5 minimum deposit to open savings account). $500 credit limit. 25-day grace period on new purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | Intro rate for purchases for first 6 billing cycles. Minimum monthly payment required during promotional period. |
| Intro, 6 months | 0.00% | None | Balance transfer promotional rate for first 6 billing cycles. Balance transfer fee is 2% of the balance transferred or $10, whichever is greater. |
| Ongoing | 11.90%–17.90% | None | Standard ongoing rate after the 6th billing cycle depending on creditworthiness. |
Sources (1)
- scu.org/rates · captured Oct 16, 2026
Platinum Mastercard
Best for low APR and everyday spending. Lowest competitive APR, no annual fee, and global Mastercard acceptance. Credit limit $500 - $50,000. 25-day grace period. Does not earn rewards. Must become a member of Scott Credit Union ($5 minimum deposit required to open a share/savings account).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | 1.99% Intro APR for 6 billing cycles. Minimum monthly payment required during promotional period. |
| Intro, 6 months | 0.00% | None | 0.00% Intro APR for 6 billing cycles on Balance Transfers. Balance transfer fee is 2% of the balance transferred or $10, whichever is greater. Promotional rate cannot be applied to balance transfers from products of Scott Credit Union. Minimum monthly payment required. |
| Ongoing | 11.90%–17.90% | None | After the 6th billing cycle the rate changes to as low as 11.90% APR to 17.90% APR depending on creditworthiness. |
Sources (1)
- scu.org/credit-cards · captured Oct 16, 2026
Platinum Rewards Mastercard
Best for earning rewards on everyday purchases. Low-rate points credit card with no annual fee. Earn rewards on gas, groceries, and everyday spending, redeemable through ScoreCard Rewards. Credit limit $500 - $50,000. 25-day grace period. Must become a member of Scott Credit Union ($5 minimum deposit required to open a share/savings account).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | 1.99% Intro APR for 6 billing cycles. Minimum monthly payment required during promotional period. |
| Intro, 6 months | 0.00% | None | 0.00% Intro APR for 6 billing cycles on Balance Transfers. Balance transfer fee is 2% of the balance transferred or $10, whichever is greater. Promotional rate cannot be applied to balance transfers from products of Scott Credit Union. Minimum monthly payment required. |
| Ongoing | 11.90%–17.90% | None | After the 6th billing cycle the rate changes to as low as 11.90% APR to 17.90% APR depending on creditworthiness. |
Sources (1)
- scu.org/credit-cards · captured Oct 16, 2026
Platinum World Rewards Mastercard
Designed for frequent travelers. Maximize every dollar with 2X points on everyday purchases, 3X points on travel, and 2X points on gas and tickets. Credit limit $10,000 - $50,000. No annual fee. 25-day grace period. Must become a member of Scott Credit Union ($5 minimum deposit required to open a share/savings account).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | 1.99% Intro APR for 6 billing cycles. Minimum monthly payment required during promotional period. |
| Intro, 6 months | 0.00% | None | 0.00% Intro APR for 6 billing cycles on Balance Transfers. Balance transfer fee is 2% of the balance transferred or $10, whichever is greater. Promotional rate cannot be applied to balance transfers from products of Scott Credit Union. Minimum monthly payment required. |
| Ongoing | 11.90%–17.90% | None | After the 6th billing cycle the rate changes to as low as 11.90% APR to 17.90% APR depending on creditworthiness. |
Sources (1)
- scu.org/credit-cards · captured Oct 16, 2026
St. Louis Blues Visa Credit Card
Must become a member of Scott Credit Union ($5 minimum deposit to open savings/share account). Credit limits from $500 to $50,000. 25-day grace period on new purchases. 2% or $10 minimum balance transfer fee. Promotional rate cannot be applied to balance transfers from Scott Credit Union products.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | Intro rate for purchases for first 6 billing cycles. Minimum monthly payment required during promotional period. |
| Intro, 6 months | 0.00% | None | Promotional balance transfer APR for the first 6 billing cycles on new cards. Balance transfer fee is 2% of the balance transferred or $10, whichever is greater. |
| Ongoing | 11.90%–17.90% | None | Standard ongoing rate after the 6th billing cycle depending on creditworthiness. |
eXtreme Visa
Must become a member of Scott Credit Union to be a cardholder ($5 minimum deposit required to open a share/savings account). Credit limits from $500 to $50,000. 25-day grace period on new purchases. 2% or $10 minimum balance transfer fee. Promotional rate cannot be applied to balance transfers from Scott Credit Union products.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | Intro rate on purchases for the first 6 billing cycles. Minimum monthly payment required during promotional period. |
| Intro, 6 months | 0.00% | None | Intro APR on balance transfers for the first 6 billing cycles. Minimum monthly payment required during promotional period. Balance transfer fee is 2% of the balance transferred or $10, whichever is greater. |
| Ongoing | 11.90%–17.90% | None | Standard ongoing rate after the 6th billing cycle depending on creditworthiness. |
Sources (1)
- scu.org/rates · captured Oct 16, 2026
Who can join Scott Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone living or working in Bond, Calhoun, Christian, Clinton, Cook, Crawford, DuPage, Effingham, Fayette, Franklin, Greene, Jackson, Jasper, Jefferson, Jersey, Macoupin, Madison, Marion, Monroe, Montgomery, Morgan, Perry, Randolph, St. Clair, Sangamon, Shelby, Washington, Will, or Williamson counties in Illinois.
- Eligibility is open to anyone living or working in St. Charles County, St. Louis County, or St. Louis City in Missouri.
Employers and groups
- Eligibility is open to employees, retirees, members, or affiliates of numerous listed select employer groups, municipal governments, associations, and predecessor credit unions.
Military, government and schools
- Eligibility is open to active or retired military of Scott AFB, including reserve components, civilian employees, retired civilian employees, and Scott AFB authorized personnel.
- Eligibility is open to members or affiliates of specified educational and religious organizations including Brother Rice High School, School District 125/143/145, St. Xavier University, and listed parishes/schools.
Family and household
- Eligibility is open to individuals with immediate family members living or working in the designated 32 counties/areas in Illinois and Missouri.
1 more way to join
Family and household
- Eligibility is open to members' immediate family, including any relative by blood or marriage or foster and adopted children.
Cost to join
- Membership requires an initial savings account share deposit/minimum balance of $5.00 and has no membership fee.
Membership information collected October 5, 2026.