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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 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

  • NOW through 12/31/15, 0% APR on New Cardholder Purchases and Balance Transfers
  • Low minimum monthly payment
  • Free 24-hour information service by phone
  • Online account access and payment, including Visa E-statements
  • 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 during the promotional period (10/01/15 - 12/31/15), and is valid through your January 2017 statement.

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

APR for New and Existing Cardholder Balance Transfers

Platinum, and Savings Secured Visa: 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.

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, Western Edition (“Index”).

Share Secured Visa: 7.50% Fixed APR.
Penalty APR and 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 $5 or 1% of the amount of each transfer, whichever is greater (Applied During Promotion Period Only)
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
As of September 2015, all of our Platinum cards will have an embedded EMV microchip with enhanced security technology. To read more about using our chip cards, click here.

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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