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

9.99% 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

Visa Classic  Secured Card9.99% APR*
(based on Prime)
NoneSomeone who wants to build or rebuild their credit.

Visa Classic Secured Card FAQs

How does a secured credit card work?

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.

Is this card compatible with digital or mobile wallets?

Yes! Using your card should be convenient, and it is with our Visa® cards. They are all ApplePay, Android Pay, and Samsung Pay compatible.

What kind of fraud protection does the Visa® Classic Secured card offer?

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.

Is there an annual fee with this card?

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.

How long does it take to build credit with a secured card?

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 credit card

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 credit 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=1Annual Percentage Rates. 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. There are NEVER any prepayment penalties for repaying your loan early. All loans are subject to credit approval. As of the date of this disclosure, the Prime Rate is 3.25%.

** San Francisco Federal Credit Union VISA® Platinum Rewards Terms and Conditions: Rewards (also known as “rebates”) are earned by making purchases with your San Francisco Federal Credit Union Visa® Platinum Rewards Credit Card. You can earn a reward of one percent (1%) on purchases at locations throughout the world that accept Visa®, up to $500 per year. All rewards earned will be reflected in your quarterly billing statement and will be automatically and annually redeemed every May 31st by applying the rewards as a deposit to your Regular Share Account. Your rewards will not expire. Purchases returned for credit do not earn a reward, and your balance will be adjusted in the event that the purchase is returned or a credit adjustment is otherwise issued. Your account must remain open and not be in default under any card agreement in order to earn and redeem rewards. Rewards are not earned on cash advances, balance transfers, fees, loan balances or finance charges. All rewards that have been accumulated, but have not yet been paid, will expire upon termination of your San Francisco Federal Credit Union Visa® Platinum account, whether terminated by you or us. We are not responsible for reward-related disputes between joint account holders and/or between account holders and authorized users. Excludes Visa® Classic card. Must be at least 18 years old to apply.

No interest charge for 25 days on purchases only. Interest on cash advances and balance transfers begin on transaction date.

There is no fee for any balance transfer that posts to your account during the first 60 days from the date opened. Any balance transfers posted to your account after the first 60 days will be charged 1% of the amount transferred. Excludes Visa® Secured.

Foreign Transaction fee up to 1% (per transaction in US Dollars) waived for Visa® Platinum Rewards cards only.

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