Credit Cards

Smart Cards.
Low Rates.

Your wallet's new best friend with rates
as low as 11.75% APR¹

Get the power of Visa Platinum.

Visa Platinum
Rewards Plus

Tap. Earn. Repeat.

Sacrament Credit Union Platinum Rewards Visa Card

Visa Platinum
Rewards Plus

Tap. Earn. Repeat.

Get rewarded for everyday purchases with our Visa Platinum Rewards Plus Credit Card.*

  • 4% cashback on gas & EV charging
  • 4% cashback on Uber & Lyft
  • 1% cashback on everything else

Visa Platinum

Low Rates.
Zero Drama.

Sacramento Credit Union Visa Platinum Credit Card

Visa Platinum

Low Rates.
Zero Drama

Get the power and flexibility of platinum in your hands. 

  • $0 Annual Fee
  • $0 Balance Transfer Fee
  • Budget-friendly rates

Visa Platinum Secured Card

Build your credit.
Secure your future.

Sacramento Credit Union Visa Platinum Credit Card

Visa Platinum Secured Card

Build Your Credit.
Secure Your Future.

A credit card that gets you on stronger financial footing.

  • Credit line $500 - $1,500 based on the amount in your SCU Savings Account
  • Platinum benefits

Earn More. Every Day. Every Way.

Get rewarded for everyday purchases, shopping trips & more with our Visa Platinum Rewards Plus Credit Card. You can redeem your rewards points for Cashback, Travel, & Gift Cards to restaurants, retail stores, entertainment, spas and more!*

4% Cashback on Gas and EV Charging

4% Cashback on Uber & Lyft

1% Cashback on Everything Else

Apply in minutes

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$0 Annual Fee

Keep more of your money where it belongs: in your pocket.

Fast Forward

$0 Balance Transfer Fee

Moving your balances won’t cost you a thing.

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Incredible Low Rates

Our market-leading rates mean faster payoff.

Exclusive benefits for the way you live today.

Enroll your card to enjoy 1 month of free Shipt membership, then 3 months of membership at 50% off, with free delivery on orders of $35 or more.

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Enjoy access to 7-day Visa Exclusive Presale opportunities to Sofar Sounds shows plus a free ticket per show, twice per year, with the purchase of one or more tickets.

Learn More

Count on built-in auto rental coverage. Save money by saying no at the counter – rent with your covered Sacramento Credit Union credit card and get built-in Auto Rental Coverage.

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This is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith.

Learn More & Enroll

Get access to Dovly Upliftᵀᴹ free with your card and start fixing, managing, and maintaining your credit online in seconds.

Learn More & Enroll
Credit Card Rates

Credit CardAPR1 As Low As
VISA PLATINUM CREDIT CARD11.75%
VISA PLATINUM REWARDS PLUS CREDIT CARD13.65%
VISA SECURED CREDIT CARD17.50%
DISCLOSURES:  
READ MORE >

1APR=Annual Percentage Rate. APR is based on your creditworthiness and will vary with the market based on the U.S. Prime Rate. Please see the
Terms and Conditions for more details

Approval is subject to underwriting guidelines and verifications.

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

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 http://www.consumerfinance.gov/learnmore.

Credit Card Fees

Fees
Annual FeeNone
Balance Transfer FeeNone
Foreign Transaction FeeNone
Transaction Fees
Cash Advance$5.00 or 2.00% of the amount of each cash advance, whichever is greater.
Penalty Fees
Late PaymentUp to $10.00
Over-the-Credit Limit FeeNone
Returned PaymentUp to $27.00
DISCLOSURES:  
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Late Payment Fee - $10 or the amount of the required minimum payment, whichever is less, if you are more than ten (10) days late in making a payment.

Returned Payment Fee - $12.00 for a returned check and $27.00 for a returned ACH payment or the amount of the required minimum payment, whichever is less.

Statement Copy Fee - $2

Document Copy Fee - None

Rush Fee - $25

Card Replacement Fee - None

Collection Costs. You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney's fees.

Lost or Stolen Card

Here's the information you need to act quickly and avoid fraud.

Call us immediately at (916) 444-6070, press Option 2 and then follow the simple prompts.

Activate Your Card

Call us at 1-800-290-7893 to activate your card.

24/7 Card Transaction Assistance Line

When your card transaction is declined, we'll help.

It's frustrating when your credit, debit or ATM card transactions are denied. You can get answers quickly by calling our Card Transaction Assistance Line at (916) 444-6070, press Option 2 and then follow the simple prompts.