Credit Cards

Keep more of your money with a smart credit card from Sunward.

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Sunward credit cards fit your lifestyle and budget, with:

• Low rates
• No annual fees, penalty rates, or balance transfer fees
• Contactless “tap to pay” and mobile wallet functionality
• Real-time 24/7 fraud alerts and chip security

Apply online, call us at 505.293.0500 or 800.947.5328, or visit a branch to get started.

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VISA SIGNATURE

LIMITED TIME OFFER - 2.99% introductory rate for balance transfers1, plus earn $100 for spending $1,500 on purchases within the first 90 days!2 Hurry offer ends soon. With a 1.50% monthly rebate on purchases, and premium benefits, this is Visa's most elite card. See the application disclosure and card agreement. Rebate : 1.50% monthly Rate: 16.00% to 18.00%3 Get a $100 credit! Apply for a new Sunward Visa Signature card and once approved, get a $100 statement credit if you spend $1,500 on purchases in the first 90 days.2 No annual fee No balance transfer fee Minimum credit line: $5,000 Exclusive Visa Signature benefits

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VISA PLATINUM VALUE

LIMITED TIME OFFER - 2.99% introductory rate for balance transfers1 and purchases. Hurry offer ends soon! If you carry a balance or want to consolidate balances from higher-rate cards, the Visa Platinum Value card offers our lowest rate. See the application disclosure and card agreement. Rate: 13.25% to 15.75% APR3 2.99% introductory APR for 12 months on balance transfers1 No annual fee $500 minimum credit line Visa Platinum Value benefits

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VISA PLATINUM REBATE

Looking for a rebate card with a lower credit limit? The Visa Platinum Rebate card offers a 1.00% monthly rebate on purchases. See the application disclosure and card agreement. Rebate: 1.00% monthly Rate: 15.50% to 18.00% APR3 Get a $100 credit! Apply for a new Sunward Visa Platinum Rebate card and once approved, get a $100 statement credit if you spend $1,500 on purchases in the first 90 days.2 No annual fee No balance transfer fee $500 minimum credit line Visa Platinum Rebate benefits

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VISA PLATINUM VALUE SECURED

Sunward’s Visa Platinum® Value Secured card can help you establish or rebuild your credit – with no credit score needed to apply! Open your card account with a deposit of $300 or more, then use it to establish a positive payment record and manage your credit responsibly. See the application disclosure and card agreement. Rate: 15.25% APR3 No annual fee No balance transfer fee Visa Platinum Value benefits

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¹ 2.99% introductory APR for 12 months on purchases and balance transfers from the first qualifying transaction completed within the first 90 days of opening a Visa Platinum Value account. The Visa Signature account offers a 2.99% introductory APR on balance transfers only for 12 months from the first qualifying transaction completed within 90 days of account opening. After that, you will be charged the standard APR for purchases and balance transfers. As of April 1, 2025, the standard APR is 13.25% to 15.75% for the Visa Platinum Value Card and 16.00% to 18.00% for the Visa Signature Card. APRs will vary with the market based on the Prime Rate. Credit card approval, eligibility, and offered rate depend on creditworthiness and other qualifications. Introductory APR is valid only for new retail purchases and balance transfers from other credit card companies, financial institutions, or department store credit cards. You can’t transfer balances to pay off other accounts issued by Sunward Credit Union. You should not initiate a balance transfer in the amount of any disputed purchase or charge, as you may lose your rights to dispute that purchase or charge. You must continue to make your required monthly payments to the issuer/ merchant until you receive a statement from issuer/ merchant reflecting the balance transfer payment. Sunward will not be responsible for any finance charges or late fees you incur on your other account as a result of a balance transfer request. We will not close your other accounts, even if you transfer the entire balance – please contact other creditors directly. Balance transfer requests may not exceed your available credit at the time we receive your request. Your accounts at Sunward must be in good standing at the time the balance transfer offer is processed. Cash-back rebates are not earned on balance transfers. Any balance transfers processed after the promotional period will incur finance charges at the standard Balance Transfer rate.

² To be eligible for the $100 statement credit, $1,500 in net purchases (i.e., purchases minus credits and returns) must be made with your Sunward credit card within 90 days of the new account opening. Account must be open and in good standing at the time credit is awarded to receive the credit. These transaction types do not count as purchases: balance transfers, cash advances, checks that access your account, fees assessed by Sunward, quasi-cash items (e.g., casino chips), cash equivalents (e.g., money orders), and purchases made using a Personal Identification Number (PIN). This account is eligible for one statement credit of $100. Please allow up to four weeks after spending $1,500 to receive the credit.

All new applications are subject to terms, conditions, and credit approval. Not applicable to current credit card customers.

³ Interest Rates, Charges, and Fees

Annual Percentage Rate (APR) for Purchases	13.25% to 15.75% Visa Platinum® Value 15.50% to 18.00% Visa Platinum® Rebate 15.25% Visa Platinum® Value Secured 16.00% to 18.00% Visa Signature® These APRs will vary with the market based on the Prime Rate.
APR for Balance Transfers	Visa Platinum® Value: 2.99% introductory APR for 12 months from the date of the first qualifying balance transfer within 90 days of account opening. After that date, APR will reflect the rate below. 13.25% to 15.75% Visa Platinum® Value 15.50% to 18.00% Visa Platinum® Rebate 15.25% Visa Platinum® Value Secured 16.00% to 18.00% Visa Signature® These APRs will vary with the market based on the Prime Rate.
APR for Cash Advances	Same APR for purchases.
Penalty APR and When it Applies	None
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge	None
Annual Fees	None
Transaction Fees	Balance transfer  None Cash advance  $5 Foreign transaction  1% of each transaction in US dollars.
Penalty Fees	Late payment Up to $25 Returned payment Up to $25 Over-the-Credit-Limit Up to $25

Variable Rate: The annual percentage rate for each card is subject to change semi-annually on the first day of the billing cycle to reflect any change in the Index and will be determined by the Prime Rate as listed in the "Money Rates" section of The Wall Street Journal on the last business day of March and September, to which we add a margin. Any increase in the annual percentage rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.

Margin: For the Visa Platinum Value card, Purchases, Balance Transfers, and Cash Advances will be charged at 5.65% above the Index. For the Visa Platinum Rebate card, Purchases, Balance Transfers, and Cash Advances will be charged at 7.90% above the Index. For the Visa Signature card, Purchases, Balance Transfers, and Cash Advances will be charged at 7.40% above the Index.

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To report a lost or stolen credit card, call 866.820.4924. If you receive a call regarding a blocked transaction on your personal credit card, call 888.918.7313.