Credit Cards

SDFCU has just the right credit card to fit your life. Choose from one of three options below.

premium cash back +

Premium Cash Back+®

  • Get 2% Cash Back on purchases1
  • $200 introductory offer2
  • Visa Signature benefits

Apply Now

View card details


sdfcu platinum rewards credit card

Visa Platinum

  • Lowest interest rate option
  • Earn Flexpoints Rewards for every $1 spent
  • Visa Platinum benefits

Apply Now

View card details


sdfcu platinum rewards credit card

Savings Secured Visa Platinum

  • Helps establish or rebuild credit
  • Earn Flexpoints Rewards
  • Funds tied to a savings account

Apply Now

View card details


Features & Benefits

These are just a few of the advantages that SDFCU cardholders enjoy:
no symbol on dollar sign
Avoid Fees

No annual fees, foreign transaction fees, or balance transfer fees.

percent symbol
Low Rates

Competitive low-interest rates when you carry a balance.

digital wallet icon
Mobile Wallet

Easy purchases with your card on Apple Pay and other payment apps.

monitor screen
Streamlined Application

Become a member and apply for a credit card at the same time in one application.

clipboard and shield
Fraud Alerts

Fraud alerts on all cards activated to monitor for duplicate purchases, identity theft, and stolen cards.

bank icon
Credit Union Benefits

SDFCU member benefits including financial services and other resources designed with your needs in mind.  

Other Benefits

person checking their bank account

Free Credit Score

Access your credit score at no charge and see how you can save on your loans in online banking and the SDFCU Mobile App.
Learn about our credit monitoring service
woman smiling while looking at phone

24-Hour Account Access

Easily manage your account from anywhere through the SDFCU Mobile App, in Online Banking, or by phone.
Learn more about 24-hour banking

Credit Card Rates

Products APR*
Premium Cash Back+ Credit Card 9.24% - 15.24%
Visa Platinum Credit Card 6.99% - 14.99%
Savings Secured Credit Card 11.99%


Rates effective July 1, 2020

Annual Percentage Rate (APR) based on evaluation of applicant's credit. Your actual APR will be within the stated range and will be disclosed at the time of disbursement. Unless otherwise stated rates subject to change monthly.

Compare Cards

Products Premium Cash Back+ Visa Platinum Savings Secured
Balance Transfer Fee None None None
Foreign Transaction Fee None None None
Annual Fee None None None
Rewards 2% cash back on all purchases* 1 reward Flexpoint per $1 spent* 1 reward Flexpoint per $1 spent*
Introductory Offer $200 bonus cash for spending $3,000 in first 90 days* None None
Credit Line Minimum $5,000 $500 $250
24-hour banking and mobile app access Included Included Included



Mobile Wallet


Load your SDFCU credit card to your mobile wallet. This is a secure and easy way to make a purchase with just one click or tap of your smartphone. 



apple pay



samsung pay



visa checkout



google pay





1 You will earn 2% cash back on all qualifying purchases. Certain restrictions apply. 

You will earn a $200 bonus if you spend $3,000 in eligible purchases within 90 days of your SDFCU Premium Cash Back+ Card enrollment date, which are not later returned, disputed, or rescinded. The purchase requirements and exclusions that apply to cash back rewards also apply to the bonus. The bonus will be available in your Rewards Portal after the billing cycle in which it was earned. Existing or previous SDFCU Premium Cash Back+ Card members may not be eligible for this onetime bonus. This promotional offer applies to new SDFCU Premium Cash Back+ Cards enrolled.

View Visa Platinum Card Terms and Conditions.

View Visa Signature Card Terms and Conditions.