Shell FCU | Credit Cards

Credit Card Upgrade Complete

Please note the Credit Card Upgrade from MasterCard to Visa has taken place. If you received your new Visa credit card, please activate it as soon as possible. If you have not received your new Visa credit card, please ask a Shell FCU representative for assistance or visit any Shell FCU branch.

CreditCards Under Enhancement

Shell FCU is making exciting enhancements to its credit card program. Including a new credit card link within Online Banking, fresh card designs, the introduction of contactless cards, enriched card benefits and more!

Don’t worry – we will keep you updated each step of the way. Check back often for updates, information and announcements. The new program is top-notch, highly competitive and just for you!


Credit Card Website Upgrade (GoToMyCard Will Be Unavailable) June 19th
New Credit Card Tab Available In Online Banking July 2nd
Re-Issue/Lost/Stolen Credit Cards Issued As Visa Through August
MasterCard Credit Cards Issued As Visa Credit Cards Early September 2020

To activate your new Visa credit card please call (800) 631-3197 prior to use.

  • Please note our new payment mailing address:
  • PO Box 660493
  • Dallas, Texas 75266-0493

Credit Card Upgrade FAQ - June 2020

Q: How will I view my credit card transactions, balance and information after June 19th?

A: You can now log in to Online Banking and select the Credit Card tab. The first time you log in you will need to register your credit card.

Q: How can I make my credit card payment after June 19th?

A: Please mail your payment to PO Box 660493, Dallas, Texas 75266-0493. To make your payment from a Shell FCU account, you can conduct a transfer through Online Banking, call us at (713) 844-1100 or visit any Shell FCU branch.

Q: If I was previously enrolled in eStatements am I still enrolled?

A: Yes, if you were previously enrolled in eStatements you will still be enrolled and you will receive an email notification when your eStatement is available to view. The first time you log in you will need to register your credit card.

Q: Will my previous eStatements history be available?

A: Your eStatement history will not transfer to the new site. Please contact the credit union to receive any statements you need after the transfer to the new site or download and save any statements you need prior to June 19th.

Rewards Credit Cards FAQ

Shell FCU is excited to be upgrading the benefits and website associated with your Rewards credit card! Please know you will have uninterrupted use of your Shell FCU Rewards MasterCard credit card during this transition. Plus, your Shell FCU family will be here to assist you every step of the way.

Important Information:

May 31st Will be the last day to redeem your points on the current rewards website before the transition.
June 1st All unredeemed points will be transferred to the new website. Points will continue to accumulate while we are in-between rewards websites.

Earn Additional Points:

You will still earn 1 point for every $1 spent on net credit card purchases, and you will soon be able to earn additional points for select merchant categories such as gas, groceries and dining when you receive your new Visa credit card in early September.

MasterCard to Visa Reissue FAQ - September 2020

Q: When can I expect to receive my new Visa credit card?

A: Your new enhanced Visa credit card will be mailed in September. Please call (800) 631-3197 as soon as possible to activate your card. Once your new Visa credit card is activated you can destroy your old MasterCard credit card.

Q: How will I know what the enhanced benefits of my new Visa credit card are?

A: You will receive a Visa Guide to Benefits in late September.

Q: Will my new Visa credit card have the same card number?

A: Your new Visa credit card will have a new card number. Please be sure to change any automatic payments to your new card information.

Q: Do I need to change my credit card number on any automatic payments I have set up?

A: Yes, you will need to update your card information on any automatic payments since your new Visa credit card will have a new card number, expiration date and CVV number. Please update your card information as soon as possible.

Q: What is a contactless card and how does it work?

A: The contactless symbol allows you to tap your contactless card or payment-enabled device at the checkout terminal to make a purchase. You can pay with a single tap. Look for the contactless terminal symbol when you conduct your transactions. To view a sample transaction, watch the “Using Your Contactless Card” video.

Q: Will pending transactions from my previous credit card be processed?

A: Yes, we will process your pending transactions which have been approved on your MasterCard credit card. There is no need to wait for the current transactions to process prior to activating and using your new Visa credit card.

Q: How will I be notified of unusual of suspicious credit card activity?

A: You will receive a phone call from our fraud detection center or receive an automated fraud text alert.


Contactless Visa Credit Card Transaction

What are they and how does a transaction work?

Adding Your Visa Credit Card to Your Mobile Wallet

Make quick and secure in-store purchases with your Shell FCU credit card on your smartphone, tablet or smartwatch with a mobile wallet.

Rates and Balance Transfers

Product Name APR*
Introductory Rate 2.99%**
Shell FCU Credit Card 7.00% - 17.99%

Balance Transfers are processed in accordance with your Credit Card Agreement and are subject to credit availability. For specific information about this offer, please call (713) 844-1100 or visit any Shell FCU branch and speak with a Financial Services Representative.

Rates current as of  .

*APR denotes Annual Percentage Rate. Your rate will be determined by your credit score and qualifying Shell FCU loan criteria applies for all loans. **The 2.99% introductory APR is available for all new Shell FCU credit cards, excluding the Visa Signature Preferred card. The introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your account during the first 12 billing cycles following the opening of your account. After the introductory period ends, your APR will be based on your creditworthiness. The variable APR will vary with the market based on the Prime Rate and will not exceed 17.99%. Based on your creditworthiness, an annual fee up to $45 may be assessed. Other restrictions may apply and the full Consumer Credit Card Agreements are available at under Disclosures & Benefits. Shell FCU reserves the right to discontinue promotions without notice at any time for any reason.