SDCCU Share Secured Visa Classic
- Annual fee
- $20
- Recommended credit
- Poor / No Credit Required
- Card network
- Visa
- Regular purchase APR
- 15%
At a glance
The SDCCU Share Secured Visa Classic credit card can help you build or repair your credit. It offers a flat, fixed APR for all transactions. Cardholders must submit a security deposit that is equal to 120% of their approved credit limit.
Our review of the SDCCU Share Secured Visa Classic
If you have poor credit or no credit history at all, the Share Secured Visa Classic Credit Card from San Diego County Credit Union (SDCCU) may be the perfect option for you. Secured cards like this one do not have minimum credit score requirements, making them ideal for those with bad credit.
Although secured cards typically do not offer rewards, the SDCCU Share Secured Visa Classic stands out with its competitively low APR for all transactions. However, applicants must be prepared to pay a higher security deposit compared to other similar cards.
While this credit card may not offer many additional benefits or perks, it can be a valuable tool for building credit. With a flat APR that applies to all transactions and a credit limit that nearly equals your security deposit, this card offers a straightforward and practical way to improve your credit score.
To apply for the SDCCU Share Secured Visa Classic, you must be a member of the credit union and have a bank account with them. Membership is limited to residents of San Diego, Orange, and Riverside counties, as well as members of the Financial Fitness association.
Overall, if you meet the membership requirements, this secured credit card is a competitive option with lower interest rates compared to many other secured cards on the market. Consider this card if you are looking to build or rebuild your credit effectively.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- One low fixed APR for all transactions
- Build or repair your credit
- Security Deposit ensures you wo't spiral into debt
- Use your card just like a regular credit card
Who this card may suit
- You have no credit or bad credit
- You don’t qualify for an unsecured card
- You deed to improve your credit report scores
- You want a single fixed-rate interest for all your transactions
- You prefer to build credit vs. using a prepaid card or debit card
- You have the funds to pay the required security deposit
Rates, fees and terms
| Annual Fee | $20 |
|---|---|
| Regular Purchase APR | 15% |
| Balance Transfer APR | 15% |
| Balance Transfer Transaction Fee | Either $1 or 2% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 15% |
| Cash Advance Transaction Fee | Either $1 or 2% of the amount of each transfer, whichever is greater |
| Foreign Transaction Fee | 2% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $10 |
| Return Payment Penalty Fee | Up to $20 |
| Minimum Deposit Required | See issuer terms |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Poor Credit Limited or No Credit.
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SDCCU Share Secured Visa Classic
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