SDFCU Visa Platinum Review

SDFCU Visa Platinum 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 is everything you need to know to make a good choice.

• 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.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

The Good	The Bad
Lower than average purchase APRs. No annual fee. No foreign transaction fee. Cardholders can earn rewards on their purchases. SDFCU Visa Platinum reports to multiple credit bureaus.	Requires good to excellent credit. Does not offer a signup bonus.

Is there a SDFCU Visa Platinum cash back or rewards program?

SDFCU Visa Platinum offers a rewards program to its customers.

SDFCU Visa Platinum Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A

What are the SDFCU Visa Platinum benefits?

SDFCU Visa Platinum provides the following benefits:

• No blackout dates when redeeming miles
• Reports to major credit bureaus

What are the relevant APRs for SDFCU Visa Platinum?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. SDFCU Visa Platinum has lower than average purchase 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%.

What are the fees for SDFCU Visa Platinum?

The following fees apply to SDFCU Visa Platinum:

SDFCU Visa Platinum Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

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.