Independent credit card comparisonsAdvertiser Disclosure
BestCreditCardsGuide
SDCCU Visa Platinum card

SDCCU Visa Platinum

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Visa
Regular purchase APR
9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness
Apply Now for SDCCU Visa Platinum (opens in a new tab)Compare this card
Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The SDCCU Visa Platinum is the most basic credit card offer available with San Diego County Credit Union. Offering no rewards or miles, it keeps the focus on low APRs so you can pay off your balance quickly and efficiently. Its non-variable rates make it easy to calculate out potential interest accrual and build the best payment plan for tackling your debt.

Our review of the SDCCU Visa Platinum

If you’re in the market for a credit card with low rates and no annual fee, the SDCCU Visa Platinum may be the perfect fit for you. With non-variable APRs in the single digits, this card offers simplicity and affordability for those living in San Diego, Riverside, or Orange County.

Low, Non-Variable Rates

Unlike many credit cards, the SDCCU Visa Platinum offers fixed rates that will not change over time. This means you can budget confidently knowing that your APR for purchases, balance transfers, and cash advances will remain the same for the life of your account. With rates in the single digits, this card is a great option for managing a large balance without worrying about fluctuating interest rates.

No Annual Fee

One of the standout features of the SDCCU Visa Platinum is its lack of an annual fee. Combined with its low rates, this card offers a cost-effective solution for everyday spending and balance transfers. In addition, the card has relatively low additional fees, making it a budget-friendly option for those looking to save on fees and interest charges.

SDCCU Visa Platinum Protections

As a Visa credit card, the SDCCU Visa Platinum comes with a range of protections and benefits, including full protection from unauthorized purchases, online banking capabilities, and access to your FICO credit score. Additionally, cardholders receive $500,000 worth of travel accident and car rental insurance, providing peace of mind when traveling or renting a car.

Should You Apply for the SDCCU Visa Platinum?

While the SDCCU Visa Platinum offers attractive benefits, including low rates and no annual fee, it may not be the best option for everyone. With other SDCCU credit cards offering similar rates but with rewards included, you may want to consider alternative options such as the SDCCU Cash Rewards or the SDCCU Visa Platinum with Fly Miles Plus. Ultimately, the decision to apply for this card will depend on your individual financial needs and preferences.

Browse Other Credit Card Offers from SDCCU

If you’re interested in exploring more credit card options from SDCCU, be sure to check out their website for a full range of products and services.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Low APRs for purchases, balance transfers, and cash advances
  • No annual fee
  • Visa credit card protections

Who this card may suit

  • You live or work in San Diego, Orange, or Riverside County and prefer credit unions to big banks
  • You prefer a fixed APR for purchases, cash advances, and balance transfers
  • You want low-to-no fees, including annual, foreign transaction, and late fees
  • You need low rates to help pay down a large balance

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness
Balance Transfer APR13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
Balance Transfer Transaction FeeEither $1 or 2% of the amount of each transfer, whichever is greater
Cash Advance APR13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
Cash Advance Transaction FeeEither $1 or 2% of the amount of each transfer, whichever is greater
Foreign Transaction Fee2% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp to $10
Return Payment Penalty FeeUp to $20

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: Excellent Credit Good Credit.

Apply Now for SDCCU Visa Platinum (opens in a new tab)View issuer terms for SDCCU Visa Platinum (opens in a new tab)

SDCCU Visa Platinum

Apply Now for SDCCU Visa Platinum (opens in a new tab)

You will leave this site for the issuer’s page. Confirm current terms there.

Similar cards