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  SDFCU Visa Platinum

SDFCU Visa Platinum

in Personal Credit Cards from State Department Federal Credit Union

Unaffiliated

SDFCU Visa Platinum

Unaffiliated

in Personal Credit Cards from State Department Federal Credit Union

Net Recommendation Score +50

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Purchase APR  (Variable APR) 6.99% - 14.99%
Balance Transfer APR  (Variable APR) 6.99% - 14.99%
Credit Score Range 600 - 850
Annual Fee $0

SDFCU Visa Platinum Review

This is a rewards credit card issued by State Department Federal Credit Union. If you're wondering whether SDFCU Visa Platinum is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. SDFCU Visa Platinum has a variable 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.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of SDFCU Visa Platinum
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • SDFCU Visa Platinum reports to multiple credit bureaus.
  • Does not offer a signup bonus.
SDFCU Visa Platinum FAQ

Does SDFCU Visa Platinum have a cash back or rewards program?

SDFCU Visa Platinum is a rewards card.

SDFCU Visa Platinum Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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?

The following fees apply:

  • There is no overlimit fee
SDFCU Visa Platinum Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Initial Program Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $25
Late Payment Fee up to $25

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 SDFCU Visa Platinum customer service number 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.

How do people rate the customer service and user experience of SDFCU Visa Platinum?

Overall, SDFCU Visa Platinum is strongly 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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for SDFCU Visa Platinum

  • Visit the SDFCU Visa Platinum website.
  • 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

About SDFCU Visa Platinum

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1 point for every $1 spent
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Minimum Cash Advance Fee ($) $0 - $3
Initial Program Fee $0
Minimum Interest Charge $0.50
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Travel Assistance
No Blackout Dates
Rewards Categories
  • 1x Point on Every Purchase
Cash Advance APR (Variable APR) 6.99% - 14.99%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 6.99% - 14.99%
Balance Transfer APR (Variable APR) 6.99% - 14.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Low Interest
  • Rewards
Card Network Visa

SDFCU Visa Platinum Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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