Tarjetas de Crédito Visa

Transfer your balance today!

How much are you paying in credit card interest charges every month, $50? $100? Or more?
Pay 0% Intro APR* through May 1, 2016, for qualified cardholders, on balances you transfer to your SDCCU Visa by September 1, 2015. 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.

La tarjeta Visa® platinum de San Diego County Credit Union ofrece bajas tasas de interés y no tiene cuota anual. Elija rembolsos en efectivo con nuestra tarjeta Visa Cash Rewards de SDCCU o gane puntos con nuestro programa de recompensas Fly Miles Plus™. Ya sea que compre por Internet o en un comercio que acepte Visa, siempre estará totalmente protegido por el uso no autorizado de su tarjeta de crédito de San Diego County Credit Union. Solicite hoy mismo por Internet su tarjeta de crédito, visite una de nuestras sucursales o llámenos al (877) 732-2848.

low rates

Bajas Tasas

tasa no variable
cash back

Recompensas en Efectivo

1% de rembolso en efectivo ilimitado 

Tarjeta con Foto

personalice su tarjeta
 

  • Acceso GRATUITO en línea a sus cuentas con Internet Branch
  • Estados de cuenta gratuitos, eStatements
  • Descuentos especiales al comprar con su tarjeta Visa
  • Personalice su propia tarjeta de crédito Visa con foto myOwn Card®
  • $500,000 en seguro de accidentes para viajeros
  • Seguro para alquiler de vehículos
  • Aceptada en todo el mundo en más de 28 millones de establecimientos 
Presente su solicitud por Internet.*

Visa Platinum

  • Tarjeta de crédito platinum de tasa no variable
  • Recompensas: recompensas en efectivo o Fly Miles Plus de SDCCU
  • Límite de crédito: $1,000 - $50,000
  • Consulte las tasas y la información importante*
  • Pago mínimo: 3% del saldo pendiente o $20, cual sea la cantidad mayor

Solicite*

SDCCU Cash Rewards

¡Las recompensas en efectivo Cash Rewards1 de SDCCU le permiten ganar fácilmente sus recompensas! Gane dinero en efectivo en compras que califiquen con su tarjeta de crédito Visa, sin cuota anual. Además, las recompensas en efectivo de SDCCU se muestran en su cuenta mensualmente, de forma que usted no tiene que hacer nada.

  • 1% de rembolso en efectivo ilimitado
  • No hay límite en las recompensas en efectivo que usted puede ganar
  • Sin cuota anual


Inscríbase hoy y comience inmediatamente a ganar rembolsos en efectivo.  

Solicite*

Fly Miles Plus

El programa de recompensa de millaje Miles Plus² de SDCCU le permite ganar puntos para compra de boletos aéreos, cruceros, hoteles, vacaciones, tarjetas y certificados de regalo, recompensas en efectivo y en mercancías. Revise las opciones de recompensas*.
 


  • Recibe 1,000 puntos de bonificación y no tiene cuota anual durante el primer año
  • Acumula hasta 120,000 puntos en un año por tarjeta participante en el programa
  • Seguiremos exonerando la cuota anual de $35 después del primer año cuando las compras totales anuales sobrepasen los $6,000
 
Inscríbase hoy y comience inmediatamente a ganar rembolsos en efectivo.

Solicite*


¹Términos y Condiciones: sujeto a la aprobación del crédito. Tasas y términos sujetos a cambios. Rembolso acreditado a su saldo cada ciclo de facturación. Los avances de efectivo, cheques con cargo a la tarjeta de crédito, transferencia de saldo y compras rembolsadas no son compras elegibles.
²Términos y Condiciones. SDCCU no avala el uso de ninguno de los proveedores o productos indicados, esta es una muestra de las recompensas disponibles y está sujeta a cambio.
Opción de programas de recompensa y no puede ser combinada.
Las solicitudes y los documentos asociados con productos y servicios específicos son disponibles sólo en inglés.

*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 May 2, 2015 and September 1, 2015 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 September 1, 2015 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 5/1/2016 on transfers made by 9/1/2015, 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 Promotional Balance Transfer 

We will begin charging interest on these transfers on 5/2/2016.

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 http://www.consumerfinance.gov/learnmore.

Fees 

Annual Fee: 

None. 

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 May 2, 2015. Rates, terms and conditions subject to change.

Abra una cuenta hoyen minutos Solicite un préstamo por Internet

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 fue fundada sobre las bases de que el bienestar de nuestros miembros viene primero y en segundo lugar, las ganancias. Esta manera innovadora de pensar en la industria bancaria ha impulsado a SDCCU para convertirse en la MEJOR cooperativa de ahorro y crédito de San Diego y la mayor institución financiera de propiedad local. SDCCU proporciona productos de banca personal y empresarial novedosos que satisfacen las demandas propias del estilo de vida actual y ofrecen servicios bancarios que ahorran dinero a sus clientes. SDCCU ofrece a sus miembros la facilidad de retirar dinero en efectivo sin cargos en más de 30,000 cajeros automáticos de la red CO-OP en todo el país, banca móvil y 38 sucursales en los condados de San Diego, Riverside y Orange. Abra hoy mismo una cuenta por Internet o en una sucursal.
* Contenido en inglés.


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