Credit Cards

Platinum Visa

Get the purchasing power and flexibility you need with the SFPCU Platinum Visa credit card. The prestigious Visa name means you can use this firefighter, police and emergency personnel credit card as you travel throughout California, the United States and the world.

Our Platinum Visa features competitive rates, and there’s never a fee for maintenance, balance transfers or cash advances. 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.

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Features & Benefits

Rates & Disclosures

Interest Rates and Interest Charges

Promotional Annual Percentage Rate (APR) for Balance Transfers

Platinum and Share Secured Visa: 1.99% APR balance transfers made from February 2, 2015 - April 30, 2015 and is applied to those transactions for 12 months from each transaction date.

After the promotional period the rate will return to the standard rate based on your creditworthiness.

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, Western Edition (“Index”).

Share Secured Visa: 7.50% Fixed APR.
Penalty APRand When It Applies

How to Avoid Paying Intererst 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


Set Up and Maintenance Fee Annual Fee None
Account Set-up Fee None
Participation Fee None
Additional Card Fee None
Transaction Fees Balance Transfer None
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)."

Apply for your SFPCU Platinum Visa today by completing our online application, visiting one of our convenient branches or calling us at 800.222.1391 to speak with an SFPCU Financial Services Loan Officer.

Financial Services for First Responders
  • 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.

SFPCU proudly provides banking and loan solutions for police, firefighters, EMTs and other first responders and their families in CA and beyond. Member eligibility

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