Visa Credit Card Options

Enjoy easy, secure payments and earn rewards

Your SECNY Visa® is accepted at millions of places. Why carry cash and checks when your card is simple to use — and it earns you rewards?

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Online Account Access

Visa Platinum Rewards

Enjoy a low interest rate while earning rewards! Use your Visa Platinum Rewards card to earn points and redeem them online or in stores. Choose from an array of rewards—travel, gas, groceries, gift cards, cash back and more!

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Visa Business Rewards

The second your vision was born. The minute you welcomed your first customer. The day you celebrated your first anniversary. Your success is a journey. Get there with your Visa Business Rewards credit card. Success for your business is about more than the bottom line.

Extended Purchase Protection²

Covers eligible items that are stolen or damaged with the 90 days of purchase and doubles the original warranty (up to one year) on eligible warranties. 

Liability Waiver³

Protects card holders from unauthorized purchases done by employees or contract workers. Contact SECNY for any unauthorized charges to start the dispute process.

Auto Rental Collision Damage Waiver¹  

Provides card holders with insurance coverage for physical damage and theft, reasonable and customary towing and valid loss-of-use charges and fees when paying for and reserving a rental car.

Travel and Emergency Assistance Services⁵

Provides standard towing, tire changes, jump starting, lockout service, fuel delivery, standard winching, and more! Call toll free at 1-800-847-2869.

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Plus enjoy even more benefits with either card:

• Stay protected from fraud with Visa Zero Liability*
• Roadside Dispatch⁴
• Dovly Uplift⁶

UChoose Rewards®

Earn 1 point for every dollar spent! Redeem for travel, gift cards, merchandise, cash back AND MORE!

^{uChoose Rewards is a registered trademark of Fiserv, Inc. or its affiliates. All rights reserved.}

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^{*Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please contact SECNY.}

^{1 Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered SECNY Business Visa Credit Card account to secure transactions. Please refer to your Guide to Benefits for further details. To learn more about this benefit or to file a claim, go to www.eclaimsline.com or call 1-800-348-8472. If you are outside the U.S., you can call collect: 1-804-673-1164.}

^{2 Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered SECNY Business Visa Credit Card account and/or rewards program associated with the covered account. To learn more about this benefit, or to file a claim, go to www.cardbenefitservices.com or call 1-800-848-1943. If you are outside the U.S., you can call collect: 1-303-967-1096.}

^{3 Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details. For more information, call 1-800-261-3511.} 

^{4 Note: Customers must pay service provider for mileage over five miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county maintained road only. Additional fees may apply for winching services under certain circumstances.}

^{Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor SECNY FCU shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other “off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor SECNY FCU provides any assurances as to the ability of the Service Provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services provided by Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc., a California corporation. Current fee for a standard service call is $79.95. Service call fees are subject to change at any time; however, callers will be notified prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.}

^{5 Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details. Cardholder calls the Benefit Administrator at 1-800-992-6029 (outside the U.S., call collect 1-804-673-1675) for assistance with local emergency and assistance services.}

^{Services include
• Medical Referral Assistance—provides medical referral, monitoring and follow-up
• Emergency Transportation Assistance—arranges for transportation under medical supervision
• Emergency Message Service—can relay emergency messages for travelers and is available 24 hours a day
• Prescription Assistance and Valuable Document Delivery Arrangements—can accommodate unexpected 
prescription needs or transport critical documents (e.g., passport or travel visa) which may have been left at home or elsewhere
• Legal Referral Assistance—can arrange contact with English-speaking attorneys, U.S. embassies and consulates and bail-bond assistance
• Emergency Ticket Replacement—arranges for the replacement and delivery of new tickets and assists with ticket reimbursement procedures
• Lost Luggage Locator Service—can help you through the common carrier’s claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage
• Emergency Translation Service—provides telephone assistance in all major languages and helps find local interpreters, if available
• Pre-Trip Assistance—provides information about health precautions, weather reports, currency exchange rates, visas, ATM locations and immunizations}

^{6 While Dovly’s platform is designed to remove questionable information from your credit report, every case is different, and not everyone will achieve the same results. Cardholders visit https://www.dovlyuplift.com, and enter their U.S.-issued Visa card number to verify eligibility. Their card will not be charged. Enrollment in Dovly Uplift requires their first and last name, email, password creation, Social Security number, date of birth, address and phone number.}

^{Services include
• Monthly Credit Report and Score—a detailed TransUnion® credit report and score every month to help cardholders keep up with their credit
• Help detecting and disputing inaccurate items on TransUnion® credit reports in an optimal way thanks to Dovly’s proprietary algorithm. Cardholders can:
• Review their credit report for potential errors
• Receive alerts and recommendations
• Select items to dispute
• Check dispute status
• Learn via Dovly’s financial literacy knowledge center
• Ongoing Credit Monitoring—cardholders receive alerts anytime there is a 10-point change in their credit score
• Credit Alerts—Alerts for signs of identity theft, along with notice of changes on cardholder’s report
• Powerful results—90% of Dovly members see a double-digit credit score increase within 6 months1
• Live U.S.-Based Member Services & Support—credit experts available to assist cardholders via chat, email and phone
• Convenient access via Dovly’s mobile app and website
Visa cardholders will also have access to market-leading discounts if they are interested in 
upgrading to a more robust plan, which includes premium features, such as three-bureau dispute 
service, identity theft insurance, discount perks and more.
Note: Dovly Premium is currently not available to residents of Georgia, Minnesota or Puerto Rico.}

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