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SDCCU Visa Signature card

SDCCU Visa Signature

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

Annual fee
$89
Recommended credit
Good / Fair
Card network
Visa
Regular purchase APR
12.99%, 15.99%, 17.99%, or 22.99%, based on creditworthiness
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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 Signature earns cardholders two Signature Rewards points for ever dollar they spend on not purchases. What’s more, new cardholders earn 10,000 bonus points when they spend $3,000 in the first 90 days after opening an account. This card has no foreign transaction fees. Additionally, new cardholders don’t have to pay the annual fee for their first year.

Our review of the SDCCU Visa Signature

The SDCCU Visa Signature Credit Card from San Diego County Credit Union (SDCCU) offers a fixed APR, providing cardholders with stability and peace of mind. While interest rates for balance transfers and cash advances are higher, there are no introductory APR promotions.

Cardholders can earn two points for every dollar spent, which can be redeemed for a variety of rewards such as event tickets, gift cards, travel, and merchandise. New cardholders can also receive 10,000 bonus points after spending $3,000 within the first three months of opening an account.

With no foreign transaction fees and the annual fee waived for the first year, the SDCCU Visa Signature Credit Card is a great option for international travelers. Points earned do not expire for five years, providing cardholders with ample time to redeem rewards.

Overall, this credit card offers competitive rewards and benefits, making it a worthwhile option for those who meet the membership requirements of SDCCU. Consider this card if you are looking for a reliable credit card with a solid rewards program.

Card features

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

  • No annual fee your first year
  • No foreign transaction fees
  • Earn 2X points for ever $1 spent
  • Earn 10,000 bonus points when you spend $3,000 in your first 90 days

Who this card may suit

  • You don’t want to pay an annual fee for your first year as a cardholder
  • You want to earn points on your purchases
  • You plan to spend at least $3,000 in their first 3 months
  • You don’t want to pay foreign transaction fees

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 Fee$89
Regular Purchase APR12.99%, 15.99%, 17.99%, or 22.99%, based on creditworthiness
Balance Transfer APR16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness
Balance Transfer Transaction FeeEither $1 or 2% of the amount of each transfer, whichever is greater
Cash Advance APR16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness
Cash Advance Transaction FeeEither $1 or 2% of the amount of each transfer, whichever is greater
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: Good Credit Fair Credit.

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SDCCU Visa Signature

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