Last Updated: 07/28/2025
SDFCU Visa Platinum
Unaffiliated
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +40
Mostly recommended5 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
6.99% - 14.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
6.99% - 14.99%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
Number of Reviews
SDFCU Visa Platinum Review
This is a rewards card issued by State Department Federal Credit Union. If you're wondering whether SDFCU Visa Platinum is the right card for you, read on.
Key Takeaways
- APRs: SDFCU Visa Platinum has a variable regular purchase APR that ranges from 6.99% up to 14.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Accepts cosigners. State Department Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of SDFCU Visa Platinum
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SDFCU Visa Platinum FAQ
Does SDFCU Visa Platinum have a cash back or rewards program?
SDFCU Visa Platinum is a rewards card.
| Description |
Does SDFCU Visa Platinum have a signup bonus?
This card doesn't offer a cash signup bonus.Does SDFCU Visa Platinum offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the SDFCU Visa Platinum benefits?
SDFCU Visa Platinum provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for SDFCU Visa Platinum?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.SDFCU Visa Platinum has a variable purchase APR that ranges from 6.99% up to 14.99%. The card has a variable balance transfer APR that ranges from 6.99% up to 14.99%. It also has a variable cash advance APR that ranges from 6.99% up to 14.99%.
Does SDFCU Visa Platinum have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does SDFCU Visa Platinum have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for SDFCU Visa Platinum?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 - $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does SDFCU Visa Platinum have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for SDFCU Visa Platinum?
The customer service number for SDFCU Visa Platinum is (703) 706-5000.
What is the support contact email for SDFCU Visa Platinum?
The support contact email for SDFCU Visa Platinum is sdfcu@sdfcu.org.
What is the login page for SDFCU Visa Platinum?
You can access the login page of SDFCU Visa Platinum here.
How do people rate the customer service and user experience of SDFCU Visa Platinum?
Overall, SDFCU Visa Platinum is mostly recommended based on community reviews that rate customer service and user experience.
Does SDFCU Visa Platinum report your account activity to credit bureaus?
Yes, SDFCU Visa Platinum reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does State Department Federal Credit Union perform a hard credit pull?
Yes, SDFCU Visa Platinum performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for SDFCU Visa Platinum
- Visit the website of SDFCU Visa Platinum.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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