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Visa® Platinum Rewards Card

Rates as low as 6.70% APR* and rewards on everyday purchases.

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Example of a VISA Platinum credit card

Get the card that gives you more with San Francisco Credit Union’s VisaⓇ Platinum Rewards Card. You get a great rate and rewards on whatever you buy. Plus, you’ll never pay fees for using your card.

Competitive Interest Rate

Rates as low as 6.70% 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® Platinum Rewards Card Rates

CARD TYPE

RATES AS LOW AS

ANNUAL FEE

BEST FOR

Visa® Platinum Rewards Card

6.70% APR*

None

Someone who wants more from their card- like cash back on everyday purchases.
Begin Credit Card Application

Visa® Platinum Rewards Card FAQs

How and when do you collect the rewards with this card?

You will get a deposit into your savings account each May for the previous 12-months of rewards. It’s that easy!

Can I transfer high interest credit card balances to this card?

Yes. We want you to save money, so you’re welcome to transfer your high-interest credit card balances to your  Visa® Platinum Rewards Card. We don’t even charge a balance transfer fee*.

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.

Is there an annual fee with this card?

No. We never charge annual fees with our credit cards.

Does this card come with any sort of fraud protection?

Yes. We take security seriously. Your card is equipped with protective features to keep your financial life running smoothly. Additionally, we offer loan protection and Financial Hardship Assistance for unexpected life events or expenses. We also have our own additional security policies in place, and you can read about them here.

Does this card come with any travel protections?

Yes. Visa® offers its cardholders travel protection and emergency assistance, and you can learn more about these helpful benefits here.

Other San Francisco Credit Union Visa® Credit Cards

Visa® Classic Secured Card

The perfect card to help you establish or re-establish credit. No annual fee and a competitive rate make this card a smart choice.

Example of a VISA Classic Secured 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.

Example of a VISA Student credit card

Member Reviews

5 stars
"I applied for a credit card last week and was approved within a matter of days! The application was only pending for three days. The interest rate was so low and the reward program of 1% will be something I will cash in on every year!"
Mary S.
5 stars
"San Francisco Federal Credit Union has a great employee who really exemplifies why customers patronize particular banks. Back in October of 2020, I ran across a Honda Accord that I wanted to purchase. I had shopped around at different banks but was unsatisfied with their service. I decided to give SFFCU a try and I ever so grateful! The Credit Union representative was the credit card agent who assisted me and was very effective in helping me with approval. He was very patient and efficient in explaining the terms of the credit card award program process. I felt comfortable and at ease working with him. Also, when looking at my credit, he saw that I had a Bank of America credit card that had a higher interest rate than what SFFCU had and recommended that I also use Online banking to pay with credit card payment.  This card and this credit card helped to boost my credit score. He has followed up with me to make sure that I was happy with the card program.  I am forever grateful for what the credit union representative did for me, and I look forward to doing business with SFFCU again."
Bill F.
5 stars
"Had an easy-going and satisfied service with a Bank Associate. They helped me out from start to finish on my credit limit increase with a lower interest rate as well. Recommend this place for all locals and those with small businesses as well."
5 stars
"My husband and I recently applied for a San Francisco Federal Credit Union credit card through service representative. The branch Manager was an excellent service representative. They explained very clearly what we needed to do to achieve our goal. They were extremely responsive to our questions and to sending us appropriate forms and to taking care of their end of the transaction. I give them my highest praise for doing an excellent job."
Laurel Y.
5 stars
"SFFedCU helped me out last week with a personal loan and [the representative] noticed that my credit card APR was 5.6%, which in my opinion I thought it was pretty good. But she went far beyond...and lowered my interest rate to a 3.2%. That is totally amazing. She also was able to increase my credit limit."
Ramon M.


* APR=Annual Percentage Rate. Variable rate loan, with a max APR of 17.99%. No annual fees. Regular variable APRs 6.70% to 17.99%, subject to change. As of the date of this disclosure, the Prime Rate is 6.75% APR as of 01/01/2026.

** 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 begins on transaction date.

There is no fee for any balance transfer that is posted 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. The monthly minimum payment is 1% of the total balance due or $15.00, whichever is greater.