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State Street Visa Rewards Credit Card card

State Street Visa Rewards Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Visa
Intro purchase APR
0% for 6 months from account opening date
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The State Street Visa Rewards is a no-nonsense, straightforward rewards card that handles everything in moderation. The card earns a single point for every dollar spent in the SCORECard Rewards Program, with over 86,000 different redemption options to choose from. The card also features a highly competitive APR, plus a special 3.99% intro APR on purchases, balance transfers, and cash advances for the first 12 months – all for no annual fee.

Our review of the State Street Visa Rewards Credit Card

State Street Bank may not be a household name, but it is a trusted institution in Western Illinois. With branches in Quincy and Payson, State Street Bank offers the State Street Visa Rewards Card as its sole personal credit card option.

Competitive APR and Introductory Period

The State Street Visa Rewards Card may not be flashy, but it offers a competitive fixed APR on purchases, balance transfers, and cash advances. With a fixed APR of Prime Rate +7%, this card boasts a rate that is over 3% lower than the national average for credit card interest rates. Additionally, the card offers a special introductory rate of 3.99% for the first year on all transactions.

SCORECard Rewards Program

The State Street Visa Rewards Card is part of the SCORECard Rewards Program, a popular rewards program utilized by many smaller financial institutions. Cardholders earn one point for every dollar spent, with points redeemable for statement credits, cash back, gift cards, travel rewards, merchandise, and charitable donations. Redemption options start at just 500 points, with points expiring after five years.

Savings at BP Gas Stations

One standout feature of the SCORECard program is the ability for cardholders to use their rewards at BP gas stations. By simply swiping the card at the pump, cardholders can access savings options, including using rewards points for fuel discounts. Two thousand points equate to $0.50 per gallon in savings, making it a valuable benefit for daily commuters.

Visa Security and Protection

As a Visa credit card product, the State Street Visa Rewards Card comes with standard Visa perks and protections, including purchase protection and Zero Fraud Liability. With Visa’s wide acceptance globally, cardholders can use their card with confidence worldwide. However, the card does charge a foreign transaction fee of up to 1%.

Should You Apply for the State Street Visa Rewards Card?

While the State Street Visa Rewards Card may not be the most exciting rewards card on the market, it offers a solid all-around option for those who bank with State Street or reside in Western Illinois. With features like a competitive APR, a straightforward rewards program, and savings at BP gas stations, this card is a practical choice for everyday use. If you’re looking for a reliable credit card that can handle everyday expenses and occasional larger purchases, the State Street Visa Rewards Card may be worth considering.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • Earn SCORECard rewards with every purchase
  • Redeem rewards from as low as 500 points
  • Visa travel protections

Who this card may suit

  • You live in Western Illinois or Eastern Missouri
  • You already bank with State Street Bank
  • You want a credit card that works well no matter what
  • You do't want to pay an annual fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Intro Purchase APR0% for 6 months from account opening date
Regular Purchase APR15.50% variable based on the Prime Rate
Intro Balance Transfer APR0% for 6 months from account opening date
Balance Transfer APR15.50% variable based on the Prime Rate
Balance Transfer Transaction Fee$5.00 or 3% of the amount transferred, whichever is great
Cash Advance APR15.50% variable based on the Prime Rate
Cash Advance Transaction FeeEither $5 or 1% of the amount of the cash advance, whichever is greater
Late Payment Penalty FeeUp to $25
Return Payment Penalty FeeUp to $25

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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State Street Visa Rewards Credit Card

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