Classic is best for first-time users who want easy-to-manage spending.
14.90% APR
No annual fee
Low, predictable rates
Credit check required
Can I apply for a Classic Card without credit experience?
Yes. We consider more than just your credit score—like income and overall financial picture—to help find the right fit. If you’re building or rebuilding credit, our Secured Mastercard® is also a strong option with typically instant approval.
Will using the Classic Card build my credit?
Yes, responsible use—like making on-time payments and keeping balances manageable—can help strengthen your credit history over time.
What makes this card “no-frills”?
It keeps things simple: no annual fee, a fixed rate, and easy-to-understand terms without added features you may not use.
SunWest Pick!
Rewards comes with a high limit, a low rate, and points on everyday purchases.
APR as low as 9.99%
No annual fee
Earn 1 point for every $1 spent
Low, predictable rates
Flexible redemption options
Credit check required
What is ScoreCard Rewards?
ScoreCard Rewards is a program that lets you earn points on qualifying purchases. Points can be redeemed for a variety of rewards, including merchandise, airfare, hotels, travel packages, and more.
Points are earned as long as your account is in good standing. They are not earned on cash advances, balance transfers, fees, or unauthorized/fraudulent charges. Returns or credits may reduce your points balance.
How do I log in to the ScoreCard Rewards website?
On your first visit to www.scorecardrewards.com, you’ll need to create a profile. Once set up, you may browse the catalog without logging in but point balances and redemption options are only available when logged into your account.
How do I know how many points I have?
Check your balance anytime at scorecardrewards.com or call 800.854.0790.
Can I redeem rewards if I don’t have enough points?
Yes. For most items, you can redeem the points you have and pay the remaining balance using your ScoreCard payment card. This option is not available for gift cards, cash equivalents, or certain brands that do not allow split payments.
How do I order rewards?
You can order rewards at any time during the program as long as your account is in good standing and you have enough points for the reward you want.
Merchandise: Order online at www.scorecardrewards.com, call (800) 854-0790, or print and mail an order form from the website.
Travel (flights, vacation packages, cruises): Call to speak with a Travel Services Representative. You can also book select air travel and purchase additional flights, hotel stays, and car rentals online. Representatives are available to assist with both redeemed and purchased travel.
Secured offers a low-risk way to establish credit by securing your limit with your own money.
7.90% APR
No annual fee
Builds credit history
Low, predictable rates
Backed by refundable deposit
Member Perk: no credit check!
How does a Secured Credit Card work?
A Secured Card is backed by a refundable deposit that secures and acts as your credit limit. It’s designed to help establish or rebuild credit with very little risk while giving you the convenience of a regular credit card.
What’s required to start a Secured Card?
The Secured Card requires a minimum $500 deposit with no additional fees.
Can the Secured Card help improve my credit score?
Yes. Making consistent on-time payments and keeping your balance under control can help build positive credit history over time.
Do I still need a credit check?
A credit check may be waived for existing SunWest members whose credit was previously pulled during account verification. New members will still complete identity verification requirements.
Can I eventually move from a Secured Card to another credit card?
Potentially, yes. A Secured Card is often used as a stepping stone toward other lending products once stronger credit habits and history are established.
Classic
Rewards
Secured
Best For
Simple access
Earning rewards
Building credit
Annual Percentage Rate (APR)
14.90%
As low as 9.99%
7.90%
Fixed
Fixed
Variable
Fixed
Annual Fee
$0
$0
$0
Rewards
Points on purchases
Balance Transfer Fee
$0
$10 balance transfer fee, or 3% (whichever is greater)
$0
Cash Advance Fee
$2
$10 advance fee, or 5%
(whichever is greater)
$2
We’ve compiled key tools and guidance to help you understand how credit works and how to use it well.
Can I get a cash advance from my credit card?
Yes, you can withdraw cash from your card. Keep in mind, interest starts accruing right away on cash advances, unlike purchases which may have a 30-day grace period.
Please review your credit card agreement to verify your cash advance fee amount or call us at 602.866.1100.
How is my credit impacted if I cancel my credit card?
Closing your card may temporarily lower your credit score by reducing your available credit. With consistent positive payment history on other accounts, your score will typically recover over time.
My card is lost or expired:
If your card is expiring, we’ll automatically send a replacement before the expiration date.
If your card is lost or stolen, call us right away at 833.933.1681 (available 24/7) or 812.647.9794 if you’re calling internationally. Replacement cards typically arrive within 7–10 business days, and fees range from $45–$65. Address and member verification are required.
If you need a replacement card shipped outside of the U.S., please call 602.866.1100.
How can I dispute a charge on my credit card?
You can submit a dispute or fraud claim by calling us at 602.866.1100 or visiting any SunWest branch.
Can I use a SunWest Credit Card outside of the country?
Yes. Your card can be used internationally at any merchant or retailer that accepts Mastercard®. If you’re traveling, let us know ahead of time so we can help avoid any disruptions.
Please be aware that the foreign transaction fee is 1.10% of the transaction amount.
