With a Visa® Classic Secured Card from San Francisco Credit Union, you get so much more. You get a great interest rate without an annual fee and the added benefit of building your credit while you spend money on everyday purchases.
Our Visa® Classic Secured Card comes with many of the same benefits that our other credit cards come with, including:
Competitive Interest Rate
14.74% APR*
No Annual Fee
Never pay an annual fee for having our card.
25-Day Grace Period
No interest charged for 25 days on purchases.*
Pay Using Mobile Wallet
ApplePay, Android Pay, Samsung Pay compatible
VisaⓇ Classic Secured Card Rates
| CARD TYPE | RATES AS LOW AS | ANNUAL FEE | BEST FOR |
|---|---|---|---|
| VisaⓇ Classic Secured Card | 14.74% APR* (based on Prime) | None | Someone who wants to build or rebuild their credit. |
VisaⓇ Classic Secured Card FAQs
You establish your secured card account with a deposit when you open it. Each month when you make changes and pay off your balance, your credit begins to improve. If something happens and you can’t make the payment, your deposit goes to cover your payment.
Yes! Using your card should be convenient, and it is with our Visa® cards. They are all ApplePay, Android Pay, and Samsung Pay compatible.
Our cards are equipped with protective features to keep your financial life running smoothly. You will enjoy all of the protection offered by Visa®, including travel protection and emergency assistance. We also offer loan protection and Financial Hardship Assistance for unexpected life events or expenses.
No. We don’t think you should have to pay to use our credit cards. So we never charge the kind of fees that the big banks often charge.
It usually takes about 30-45 days for your new account to be reported to the credit bureaus. From there, each month that you pay off your card balance (and your other bills on time, too), your credit builds.
Other San Francisco Credit Union VisaⓇ Credit Cards
VisaⓇ Platinum Rewards Card
Get our best rate and earn 1% cash back for everyday purchases with our VisaⓇ Platinum Rewards Card. You’ll also never pay annual fees to use the card.
VisaⓇ Student Platinum Rewards Card
Being a student has its benefits. With no annual fee and cash back for every dollar you spend, this is the only card you’ll need through high school and college.
Member Reviews
*APR=Annual Percentage Rate. No annual fees. For all loans, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, and the amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. Regular variable APRs 7.95% to 17.99%, subject to change. All loans are subject to credit approval.
No interest charge for 25 days on purchases only. Interest on cash advances and balance transfers begins on transaction date.