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 TYPERATES AS LOW ASANNUAL FEEBEST FOR
Visa Classic  Secured Card14.74% 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=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.

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