Does SACU offer Apple Pay, Samsung Pay or Android Pay for my credit or debit card?

Yes, SACU credit and debit cards work with Apple Pay, Samsung Pay and Android Pay.  Learn more about mobile wallets and how to get started.

How do I change my debit card PIN?

You may change your debit card PIN by calling toll-free 800-757-9848 from the phone number on your SACU account or visiting any SACU branch location.

How do I request a balance transfer to my SACU credit card?

You may transfer high-rate credit card balances to your SACU credit card by completing a balance transfer request (PDF).

Mail the Completed Request Form To:
SACU Cards Department
PO Box 1356
San Antonio, TX 78295-1356

How do I redeem my ScoreCard Rewards?

Points can be easily redeemed for rewards like airline tickets, travel packages and merchandise by visiting or by calling 855-483-5005.  For questions on ScoreCard Rewards call 800-854-0790. 

Where can I find more information on Mastercard SecureCode?

Mastercard® SecureCode helps guard against unauthorized use of your Mastercard credit or debit card while shopping online at participating merchants.  MasterCard SecureCode performs an extra authentication step to protect your account from unauthorized users online.



Where can I find more information on the Verified by Visa Service?

Verified by Visa adds an extra layer of security to make it harder for someone else to use your Visa card to shop online in the unfortunate event your Visa card or account number is lost or stolen. 


What do I do if my SACU debit or credit card is lost or stolen?

If any SACU debit or credit card is lost or stolen, call our hotlines 24 hours a day, 7 days a week.

For SACU Debit Cards:
Toll Free: 800-472-3272
Toll Free: 800-688-7228 (during business hours)
San Antonio: 210-258-1234 (during business hours)

For SACU Credit Cards:
Toll Free: 866-839-3485

How does SACU deal with debit or credit card fraud?

We monitor debit and credit card activity in order to reduce the risk of fraud and protect our members. In the event of unusual card activity, SACU may block transactions in foreign countries and/or within the United States.

Even in blocked countries or within certain merchant categories, SACU members may be able to use their debit cards when conducting transaction with a PIN.

SACU members with credit cards may receive text messages and/or emails to confirm transactions if suspicious activity is suspected on their card.  We will only ask you to verify if you made the purchase(s) or not; we will never ask for account or personal information.

What do I need to know about travel and my SACU debit or credit card?

If you plan to use your card while traveling, contact our Member Service Center at (210) 258-1234 or toll free at 1-800-688-SACU (7228) before you go. Providing us with your travel dates and destinations will allow us to maximize fraud protection and minimize inconvenience.

What if my debit or credit card transaction is declined?

In the event a transaction is declined or to learn more about fraud protection, call our Member Service Center at (210) 258-1234 or toll free at 1-800-688-SACU (7228).

If you recently received a new debit or credit card, please activate it upon receipt following the instructions provided to avoid disruptions in using your card. Your old card will automatically be deactivated in approximately two weeks or as soon as you activate your new card, whichever occurs first.

How can I get a new or replacement SACU debit card?

SACU provides a free SACU debit card with any SACU checking or savings account. You get easy access to your funds through our network of ATMs in the San Antonio and Houston areas, and with millions of Mastercard® merchants worldwide.  To request a new or replacement card call our Member Service Center at (210) 258-1234 or toll free at 1-800-688-SACU (7228) or visit any SACU branch location.

How do I apply for an SACU credit card, and what are my choices?

SACU offers great no annual fee credit card options. No matter which card you prefer, complete our easy online application. Choose our  Rate Preferred Visa®, our Rewards Preferred Mastercard®, or our Spurs Rewards Mastercard® option. When you apply for an SACU Mastercard®, you can earn bonus points or choose cash back with our rewards program.

Where can I find more information about my SACU MasterCard benefits?

Your SACU Mastercard® includes great benefits like price protection and extended warranty services.  View the Mastercard Guide to Benefits for full details.