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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

+50%

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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
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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 700 - 850
Annual Fee $0

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.

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.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you 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.
SDFCU Visa Platinum Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • SDFCU Visa Platinum reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
SDFCU Visa Platinum FAQ

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
Rewards rate (all purchases) 1%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does SDFCU Visa Platinum have a signup bonus?

SDFCU Visa Platinum doesn't offer a cash signup bonus.

Does SDFCU Visa Platinum offer an annual loyalty bonus?

SDFCU Visa Platinum doesn't offer a cash loyalty bonus.

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%.

Does SDFCU Visa Platinum have an introductory APR offer on balance transfers?

No, SDFCU Visa Platinum does not come with an introductory APR offer for balance transfers.

Does SDFCU Visa Platinum have an introductory APR offer on new purchases?

SDFCU Visa Platinum does not offer an introductory rate on new purchases.
SDFCU Visa Platinum Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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 have a foreign transaction fee?

SDFCU Visa Platinum does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does SDFCU Visa Platinum report your account activity to credit bureaus?

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 can 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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

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 $0
No Interest Grace Period for Late Payment 25 days
Minimum Cash Advance Fee ($) $0 - $3
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
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Travel Assistance
No Blackout Dates  
Rewards Categories Every Purchase
Rewards Type Points
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
  • Rewards
  • Low Interest
Card Network Visa

SDFCU Visa Platinum Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+50%

-100% 0% +100%
No one recommends Everyone recommends

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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