Better Rewards

Double points equal 2% cash back all year on gas, grocery or wholesale club purchases. Apply now to start earning cash back for all your most common purchases.

Apply Now

Earn Rewards

Each time you use your Better Rewards Visa® Credit Card, $1 earns you 1% cash back for all your purchases. However, use your card for:

  • Gas
  • Groceries 
  • Wholesale Clubs

and you will earn 2% Cash Back all year!

There's no need to activate this offer – you automatically earn 2% cash back when you use your Sioux Falls Fed Better Rewards Visa® card. Then, redeem your rewards for cash, gift cards or travel.

Black Friday Week - 3% Cash Back

Earn 3% cash back Black Friday week on ALL purchases!

Don't have our card that's twice as good yet?

Check out the many advantages:

  • Earn rewards points and redeem for cash, gift cards or travel
  • No annual fee
  • No balance transfer fee
  • No over-credit-limit fee
  • No penalty rate
  • Security and Convenience with:
    • Visa's Zero Liability Fraud Protection
    • Chip-Card Security for In-Store Purchases

Apply Now

  Available Rewards How to Redeem Who to Call
Travel Airline tickets    
Gift Cards Restaurant, gas, major retailers In the SFFCU Online Banking platform, 24/7 855-854-5493, 8 a.m. - 8 p.m., CST
Cash Back Escalating tiers based on points accumulated    


*Earn 2% cash back with your Better Rewards Visa® credit card on gas, groceries and wholesale club purchases January 1 – December 31, 2021. Earn 3% cash back on all purchases during Black Friday Week. All other purchases earn 1% through December 31, 2021. We do not determine how merchants are classified, but they are generally classified based upon the merchant’s primary line of business.  We reserve the right to determine which purchases qualify for this offer.  Eligible purchases exclude balance transfers, cash advances, convenience checks, items returned for credit, fees and interest charges.  In order to qualify for this offer, the account must be open and current at all times.  If your account is closed for any reason, including if you convert to another product, you may no longer be eligible.  We reserve the right to change or cancel this program at any time for any reason without prior notice.
Visa® credit cards are issued by Sioux Falls Federal Credit Union, Member NCUA.  Pursuant to a license by Visa U.S.A. Inc.