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Platinum Visa

Now when you open an SFPCU Platinum Visa®, you get a 0% APR* introductory rate on purchases and balance transfers for six months! 

SFPCU's Platinum Visa®—the perfect card for everyday living! Earn rewards every time you use the card and redeem them for travel, gift cards and name-brand merchandise. It’s time to get more out of your credit card.

Apply Now

In addition to this special offer, your new Platinum Visa® has
features and benefits that never expire!

  • Earn one CURewards point for every dollar spent
  • Price protection on purchases
  • Identity theft coverage
  • Travel accident insurance included
  • Lost luggage reimbursement
  • Warranty Manager Service including Warranty Registration and Extended Warranty Protection
  • Design Your Own Card with a personal photo or one from our gallery
  • Payment Protection Available!
  • EMV chip-enabled security technology

Rates & Disclosures

Interest Rates and Interest Charges
 
Promotional Annual Percentage Rate (APR) for New Cardholder Purchases Platinum and Savings Secured Visa®: 0% APR is valid for purchases on new accounts opened after 3/31/2016. Purchases must be made within 60 days of account opening to qualify for the promotional rate. The introductory rate of 0% APR is valid for 6 months from the first qualifying transaction.

After the promotional period the rate will return to the standard purchase rate.

           
Standard APR for Purchases, Balance Transfers and Cash Advances Platinum Visa®: 9.25% - 18.00% Variable APR based on your creditworthiness. Variable APR may adjust quarterly with the market based on the Prime Rate as published in the Wall Street Journal (“Index”).

Savings Secured Visa®: 7.50% Fixed APR.
Penalty APR and When It Applies
None

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Fees
Set Up and Maintenance Fee Annual Fee None
Account Set-up Fee None
Participation Fee None
Additional Card Fee None
Transaction Fees Balance Transfer $5 or 1% of the amount of each transfer, whichever is greater
Cash Advance None
Foreign Transaction 1% of foreign transactions in US Dollars
Penalty Fees Late Payment $15
Over-the-Credit Limit None
Returned Payment $25

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

EMV Chip-Enabled Technology
Our Platinum Visa® cards are embedded with EMV microchip with enhanced security technology. To read more about using our chip cards, click here.

*APR = Annual Percentage Rate. Promotional offer is valid on new cards opened after 3/31/16. Purchases and balance transfers must be made within 60 days of account opening to qualify for the promotional rate. The Balance Transfer rate of 0% APR is valid for 6 months from each transaction date. Offer is only valid for balance transfers from existing credit card balances at other financial institutions. The Introductory rate of 0% APR is valid for 6 months from the first qualifying transaction.  A Balance Transfer fee of 1% of the balance transferred (or $5, whichever is greater) will be charged on balance transfers made during the promotional period (within 60 days of account opening). After the introductory periods, the promotional rates will return to standard purchase/balance transfer rate (Rate based upon Prime Rate + a Margin of 6‐12%). All new applications are subject to terms, conditions and credit approval. You must be at least 18 years of age to apply, and show ability to repay future balances or apply with a co‐signer if you are under the age of 21. Rates, fees and terms are subject to change at any time, contact us for more information.
  • Federally insured by the National Credit Union Administration
  • Equal Housing Opportunity
  • NMLS ID# 409710

APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

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