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Visa Credit Cards

SDCCU has over 30,000 surcharge-free ATMs and 42 branch locations.
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The right credit card to fit your needs

Our low interest rate credit SDCCU® Visa® cards all have a unique set of perks, but are still backed by the same core benefits that make San Diego County Credit Union credit cards ideal for any customer.

All our cards come with:

  • Free online banking where you can view your FICO® Score¹
  • 100% protection from unauthorized use of your credit card
  • ID Navigator Powered by NortonLifeLock™
  • Enhanced Security at Checkout with Verified by VISA

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

SDCCU Visa Signature

RATES & FEES

CARD AGREEMENT

SIGNATURE REWARDS TERMS

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

15.99% to 25.99%

Annual Fee

No annual fee for the first year $89 thereafter

Apply Online

SDCCU Cash Rewards Visa Platinum

SDCCU Cash Rewards Visa Platinum

RATES & FEES

CARD AGREEMENT

CASH REWARDS TERMS

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

12.99% to 22.99%

Annual Fee

None

Apply Online

SDCCU Visa Platinum with Fly Miles Plus

SDCCU Visa Platinum with Fly Miles Plus

RATES & FEES

CARD AGREEMENT

FLY MILES PLUS TERMS

Card Perks

  • Earn additional 1,000 bonus points if enrolled in the optional Fly Miles Plus Reward Program
  • Earn up to 120,000 points in one year per enrolled card
APR for Purchases

12.99% to 22.99%

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

SDCCU Visa Platinum

RATES & FEES

CARD AGREEMENT

Card Perks

  • Low rates
  • No annual fee
APR for Purchases

12.99% to 22.99%

Annual Fee

None

Apply Online

SDCCU Share Secured Visa Classic

SDCCU Share Secured Visa Classic

RATES & FEES

CARD AGREEMENT

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
APR for Purchases

15.00%

Annual Fee

$20

Apply Online

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!


Enhanced Security with Verified by VISA

Verified by VISA provides cardholders an enhanced level of security for online purchases to protect against unauthorized card use. Verified by VISA utilizes a one-time passcode (OTP) system to validate online transactions with participating merchants. This service helps merchants confirm you are the authorized user of the account and, most importantly, protects you from fraud. 


We also offer a Visa Business credit card for safe and convenient business

purchases. Apply Today!

APRs are non-variable and determined when you open your account, based on creditworthiness. Subject to credit approval. Rates and terms subject to change. See Benefit Guides and Terms and Conditions for details. 

¹FICO® Score available for primary member with an active loan in good standing. 
²Rebate credited to your balance each billing cycle. Cash advances, convenience checks, balance transfers and refunded purchases are not eligible purchases. The cash reward program is available only for well-qualified applicants. 

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