Platinum Rewards Credit Card

Our Visa® Platinum Rewards Credit Card is our lowest rate card option, while you earn point rewards and avoid fees. Credit line starts at $500 and goes up to $100,000.


  • Low Rate
  • Earn Flexpoint Rewards - 1 point for every $1 spent
  • 25-day grace period on purchases
  • Visa card benefits like Roadside Dispatch
  • Join SDFCU and apply at the same time
  • Contactless chip technology

Apply Now 

Already Applied? Check application status.

Platinum Rewards card


annual fee
No Annual Fee
foreign transaction fee
No Foreign Transaction Fee
balance transfer
No Balance Transfer Fee

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.

How Contactless Cards Work


Contactless Symbol

1. Look

Find the Contactless Symbol at Checkout

Tap Card

2. Tap

Tap your contactless card on the checkout terminal

Quick Processing

3. Go

Your payment is processed in seconds!*

Start tapping today!

*The merchant may ask you to sign or enter your PIN. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.



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









View credit card disclosures.

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.