Visa Credit Cards

Transfer your balance today!

How much are you paying in credit card interest charges every month, $50? $100?
Pay 0% Intro APR* through September 1, 2016, for qualified cardholders, on balances you transfer to your SDCCU Visa by January 1, 2016. After this intro period, your then current APR for balance transfers applies, currently 13.99%-23.99% APR.

Apply Today     Current cardholders, call to see if you're eligible.

San Diego County Credit Union Visa® platinum credit cards offer low interest rates and no annual fee. Choose cash back with our SDCCU Cash Rewards Visa or earn points with our SDCCU Fly Miles Plus™ rewards program. Whether you shop online or with a Visa merchant, you are always 100% protected from unauthorized use of your San Diego County Credit Union credit card. Apply for a credit card online today, visit a branch or call us at (877) 732-2848 to get started.
low rates

Low Rates

non-variable rate
cash back

Cash Rewards

unlimited 1% cash back

Additional Visa provided benefits:
  • $500,000 Travel Accident Insurance
  • Auto Rental Insurance
  • Worldwide acceptance at more than 28 million locations 
Apply online today!

¹FICO® Score available for primary member with an active loan in good standing. 
²SDCCU Cash Rewards. Subject to credit approval. Rate and terms subject to change. Rebate credited to your balance each billing cycle. Cash advances, convenience checks, balance transfers and refunded purchases are not eligible purchases.
³Fly Miles Plus. SDCCU does not endorse the use of any of the vendors/products listed, this is a sample of rewards available and is subject to change.

Rewards programs optional and cannot be combined.

*Visa Balance Transfer offer: You must qualify for this introductory rate. Subject to credit approval. Rates, terms and conditions subject to change. See below for important information. See our Visa Rates & Terms. Current cardholders: call to see if you’re eligible.
Visa Balance Transfer requests must be received by SDCCU between September 2, 2015 and January 1, 2016 to be eligible for this introductory 0% APR and to have access to an increased amount of your credit line for balance transfers. Requests posted after January 1, 2016 will be subject to your regular APR for balance transfers, currently 13.99% APR - 23.99% APR, and subject to the cash advance/balance transfer maximum of your approved credit limit or $10,000, whichever is less. For more information about your available credit line please call (877) 732-2848.

If you elect to perform a balance transfer using this promotion and then use your SDCCU credit card for new purchases, you will be charged interest immediately on those purchases unless you pay the entire balance, including the introductory balance, by the due date.


Rates And Interest Charges

Annual Percentage Rate (APR) For Purchases**

9.99%-19.99% Non-Variable, based on creditworthiness.

APR For Balance Transfers 

0% introductory APR until 9/1/2016 on transfers made by 1/1/2016, after that your then current APR for balance transfers applies, currently 13.99%-23.99%, based on creditworthiness. 

APR For Cash Advances 

13.99%-23.99%, based on creditworthiness.

How To Avoid Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your ENTIRE balance by the due date each month (including any purchases, cash advances, balance transfers and introductory balance transfers).

Paying Interest On Your Introductory Balance Transfer 

We will begin charging interest on these transfers on 9/2/2016.

For Credit Card Tips From The Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at


Annual Fee: 


Transaction Fees
    Balance Transfer(s): 

    Cash Advance(s):


    Foreign Transaction(s): 

2.5% of the amount of the advance ($1 min).
The limit for combined cash advances/balance transfers is up to your approved credit limit or $10,000, whichever is lower.

2% of the amount of the advance ($1 min).
The limit for combined cash advances/balance transfers is up to your approved credit limit or $10,000, whichever is lower.

2% of the amount of the purchase or cash advance converted to U.S. dollars (International Service Assessment Fee).

Penalty Fees
    Late Payment Fee:

    Returned Payment Fee: 

$10 if your minimum monthly payment is late 10 days or more.

$20 each. 

Visa Balance Transfer Disclosures: You can make your balance transfer request by using the SDCCU Easy Balance Transfer mobile app (data rates may apply), calling us at (877) 732-2848 or by visiting any of our branch locations. It may take up to 14 days for your balance transfer request to be processed. You are responsible for confirming the transfer request is posted on your other loan(s) and making payments on any outstanding/remaining balance(s) on those other loan(s). SDCCU is not responsible for fees and finance charges incurred by you on your other loan(s). SDCCU reserves the right to refuse a request (for example, if it exceeds the available credit) and/or may complete a request in a partial amount. Requests must be legible, may not be payable to private individuals, cash, yourself or SDCCU and are subject to approval by SDCCU. This offer is not applicable on previous transactions and/or existing balance transfers.

**This non-variable APR is a set rate and is not determined by an index; however, this APR is not guaranteed. Non-variable rates are intended to be stable, but can be changed based on market conditions or other reasons. You will be notified prior to any such change.

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new transactions). Refer to your account agreement for details.

Billing Rights: Information about your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

The information about the costs of the cards described above is accurate as of September 2, 2015. Rates, terms and conditions subject to change.

Open an accountin minutes Apply for a loan easily online

Why People Love Us

SDCCU Reviews

"I love banking with SDCCU. The level of customer service is excellent. No matter what branch I've stepped into, I'm welcomed and greeted and I leave with a sense that we are important to them. Free checking and great service! " Joan S., San DiegoMember since 1999

San Diego County Credit Union® was founded on the principle that people come first and profits second. This forward-thinking approach in the banking industry has propelled SDCCU® to become San Diego’s BEST Credit Union and largest locally-owned financial institution. SDCCU provides breakthrough banking products that meet the demands of today’s lifestyle and delivers banking services that save customers money. SDCCU serves customers nationwide with 30,000 surcharge-FREE CO-OP ATMs and 38 branch locations in San Diego, Riverside and Orange counties. Open an account today.

30,000 surcharge-FREE ATMs

30,000 Surcharge-FREE ATMs

Access your money anywhere with 30,000 surcharge-FREE co-op ATMs nationwide.
Find an ATM
5/5 ARM

No Closing Costs

5/5 ARM Home Loan
Learn More
Auto Buying Service

Let SDCCU Do The Work!

You provide the details of the car you want and we'll locate it, negotiate the price and coordinate delivery for you – at no cost.
Learn More

1% Cash Back!

Apply for a SDCCU Cash Rewards Visa card to earn unlimited 1% cash back.
*Learn More
Check. Snap. Deposit.

SDCCU Mobile Deposit

Deposit checks from your smart phone in real time.
Get the App