Purchase APR
12.99–18%
Annual fee
None
Foreign fee
3%
0% transfers · 15 mo
620–719720+Cashback
Carrying $3k for a year ≈ $473.70
← All issuers
Smw Financial Credit Union
2 cardholder agreements · 310 KB · 1 surveyed card
A
Fair Terms · grade A (100/100)
0 contract red flags across 2 filed docs · see how every issuer ranks →
No red-flag clauses detected in this issuer's filed agreements — a clean 100.
Proud of this grade? Embed the badge ↓
Preview:AFair Termsverified by CardSleuth
<script src="https://cards.techtonic.llc/widget.js" data-issuer="smw-financial-credit-union"></script>Paste it anywhere on your site. The badge links back to this page — a real, crawlable link, not an image.
Priced card products
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.