SDCCU Visa Platinum with Fly Miles Plus

Our review of the SDCCU Visa Platinum with Fly Miles Plus

If you’re searching for a top-tier rewards credit card with a low interest rate, look no further than the Visa Platinum with Fly Miles Plus from San Diego Credit Union. This card offers a low, fixed APR on purchases, cash advances, and balance transfers, along with the added bonus of earning 1 point for every dollar spent. While this may not be the highest rewards rate out there, it’s still a solid option, especially if you’re in need of a balance transfer credit card. If you’re eligible for membership with SDCCU and want a versatile card that covers all your bases, this could be the perfect fit for you.

Cancel Out the Annual Fee

With many rewards cards, you have to weigh the benefits against the annual fee. However, with the SDCCU Visa Platinum with Fly Miles Plus, you can easily offset the fee through your spending. The Fly Miles rewards program for this card comes with an annual fee of $35, which is automatically waived in the first year. After that, simply spend at least $6,000 each year and SDCCU will waive the fee again. This translates to just $500 per month, making it a manageable condition. Even if you can’t meet this spending threshold, the $35 annual fee is relatively low compared to other cards.

Earn 120,000 SDCCU Fly Miles Toward Travel and More

While some travel credit cards offer unlimited rewards, the SDCCU Visa Platinum with Fly Miles Plus caps rewards at 120,000 points. While this may seem limiting, most cardholders are unlikely to reach this cap. With 1 point earned per dollar spent, you’d need to spend an unrealistic $10,000 per month to max out your rewards. This card offers flexibility by earning the same rewards rate on all purchases, simplifying the redemption process. Additionally, you can earn 1,000 bonus points just for getting the card and another 1,000 points for signing up for the Fly Miles Plus Rewards Program.

Spending Your SDCCU Credit Card Points

Redeeming your SDCCU Fly Miles is a breeze, as this card offers a variety of redemption options. Whether you prefer cash deposits, gift cards, airline tickets, hotel stays, or vacation packages, you have plenty of choices. Points can be redeemed for cash deposits with a minimum of 6,000 points, while gift cards and items in the Fly Miles store start at around 3,000 points. While the card’s terms don’t specify, miles tend to hold the most value when redeemed for travel. SDCCU provides a breakdown of point values for airline tickets on the Fly Miles Plus website, starting at a $100 discount for 10,000 points.

Should You Apply for the SDCCU Visa Platinum with Fly Miles Plus?

Overall, the SDCCU Visa Platinum with Fly Miles Plus is a versatile rewards card with competitive APRs and a range of redemption options. This card seamlessly transitions from helping you pay off balances to earning rewards for your next getaway. If you prioritize low APRs and flexibility in earning and redeeming rewards, this card could be a great fit for your wallet.

Explore other credit card offers from SDCCU to find the perfect card for your financial needs.