Credit Cards

SDFCU has just the right credit card to fit your life. Choose from one of three no annual fee credit card options below.

premium cash back+ card

Premium Cash Back+®

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

Apply Now

View card details


Platinum Rewards card

Platinum Rewards

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

Apply Now

View card details


Platinum Rewards card

Savings Secured Platinum Rewards

  • 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:
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Avoid Fees

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

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Low Rates

Competitive low-interest rates when you carry a balance.

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Mobile Wallet

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

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Streamlined Application

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

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Fraud Alerts

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

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Contactless Payments

Contactless chip technology that enables you to pay with just a tap of your card at checkout.

Other Benefits

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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
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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

Related Article:

Credit or Debit: The Good, the Bad and the Perks

Here’s why you need both credit and debit cards for a better financial future

Learn more  double arrow

Credit Card Rates

Products APR*
Premium Cash Back+ Credit Card 9.49% - 15.49%
Platinum Rewards Credit Card 7.24% - 15.24%
Savings Secured Credit Card 12.24%


Rates effective April 1, 2022

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


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. 



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samsung pay



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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.

Wherever you see this payment icon newonlinecheckoutlogo, you can enjoy an easy, smart and secure online checkout experience. To make a purchase, you’ll no longer have to enter 16-digit primary account numbers, look up passwords or fill out long forms. Enjoy this new experience to pay with your Visa cards when you see this icon newonlinecheckoutlogo where Visa is accepted.

View Visa Platinum Card Terms and Conditions.
View Visa Signature Card Terms and Conditions.