Visa Credit Cards

Get your finances under control this year with 0% intro APR*, for qualified cardholders, on balances you transfer to your SDCCU Visa by May 1, 2014.

0% intro APR* good through January 1, 2015
on transfers made by May 1, 2014.
Transfer up to $10,000
or your maximum available credit line, whichever is lower.

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

Photo Card

personalize your card

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¹Terms & Conditions. 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.
²Terms & Conditions. 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 option and cannot be combined. 
*Current cardholders - Call to see if you’re eligible. You must qualify for this promotional rate. Subject to credit approval. Rates, terms and conditions subject to change. See our Visa Rates & Terms

You can make your balance transfer request by using the SDCCU Balance Transfer mobile app (data rates may apply), calling us at (877) 732-2848 or by visiting one of our convenient 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. Requests must be received by SDCCU between January 1, 2014 and May 1, 2014 to be eligible for this promotional 0% APR and to have access to an increased amount of your credit line for balance transfers. Requests posted after May 1, 2014 will be subject to your regular APR for balance transfers, currently 13.99% - 23.99% APR, and subject to the cash advance/balance transfer maximum of your approved credit limit or $10,000, whichever is lower. For more information about your available credit line please call (877) 732-2848.

Rates And Interest Charges

Annual Percentage Rate (APR) For Purchases²

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

¹APR For Balance Transfers 

0% promotional APR until 1/1/2015 on transfers made by 5/1/2014, 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.

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 promotional balance transfers).

Paying Interest On Your Promotional Balance Transfer 

We will begin charging interest on these transfers on 1/2/2015.

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.

International Service Assessment Fee: 2% of the amount of the purchase or cash advance (international transaction).

Penalty Fees
    Late Payment Fee:
    Returned Payment Fee: 

$10 if your minimum monthly payment is late 10 days or more.
$20 each. 

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.
²This 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.
The information about the costs of the cards described above is accurate as of January 1, 2014.

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Why People Love Us

SDCCU Reviews

"I love SDCCU! Better than the big banks, SDCCU has no hidden fees or extra charges and they always provide friendly service. I recommend SDCCU to all of my friends and love that they are a local bank." Lohamy A., El CajonMember since 2012

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 33 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.
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5/5 ARM

No Closing Costs

5/5 ARM Home Loan
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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.
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0% Intro APR

0% Intro APR* on Balance Transfers

Good through January 1, 2015 on balance transfers made by May 1, 2014.
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