Explore your credit card options
Trying to decide if a credit union credit card is right for you? Because we don't have shareholders to share our profits with like big banks do, we can pass our profits to our members in the form of low interest rates and low fees.
SDCCU offers a variety of low interest rate credit union credit cards to help you make the most of your daily transactions. Just like big banks, San Diego County Credit Union issues credit cards on major networks, such as Visa. So, while we may be smaller than the big banks, you can still use your card anywhere Visa cards are accepted, while having low interest rates and low fees. Additionally, SDCCU reports your credit card payments to the credit bureaus, helping you build your credit along the way.
SDCCU Visa Signature
Card Perks
- Earn a one-time 10,000-point bonus when you spend $3,000 on net purchases within the first 90 days after enrollment
- Earn unlimited 2 Signature Rewards points per $1 spent on net purchases, redeemable for: event tickets, gift cards, travel, merchandise
- No foreign transaction fees
- 24-hour Visa Signature® Concierge
- Additional Visa benefits: Cellphone Protection, Purchase Security, Trip Cancellation/Trip Interruption, Trip Delay Reimbursement
APR for Purchases
12.99% to 22.99%
Annual Fee
No annual fee for the first year $89 thereafter
Apply Online
SDCCU Cash Rewards Visa Platinum
Card Perks
- Earn unlimited 1% cash back²
- No limit on the cash rewards you can earn
- Cash rewards auto-posted to your account monthly so you don’t have to do anything
APR for Purchases
9.99% to 19.99%
Annual Fee
None
Apply Online
SDCCU Visa Platinum with Fly Miles Plus
APR for Purchases
9.99% to 19.99%
Annual Fee
No annual fee for the first year, $35 annual fee thereafter is waived when total annual purchases exceed $6,000
Apply Online
SDCCU Visa Platinum
APR for Purchases
9.99% to 19.99%
Annual Fee
None
Apply Online
SDCCU Share Secured Visa Classic
Card Perks
- Build your credit with responsible use
- Secured by a portion of the shares you have on deposit at SDCCU in an amount equal to 120% of your approved credit limit
How to Get a Credit Union Credit Card?
Are you ready to start making the most out of your daily transactions? First, you will want to decide which Visa credit union credit card listed above, is best for your spending habits. Do you enjoy traveling and want a card that can help you achieve this goal? Is having no annual fees a top priority for you? Taking questions like these into consideration can help you decide on the credit card that is best for your lifestyle. Once you have decided on a credit card, you will want to start the application process. We recommend checking your credit score and credit reports, prior to applying, in order to give yourself a better understanding of where you sit. Once you feel confident, start the application process!