Credit Cards

Your spending power needs a boost. Love the idea of earning rewards just for spending on everyday items? Or do you live for a budget-friendly, low interest rate? Better Rewards and Better Rate are waiting.

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Transparent Fees

SFFCU prides itself on offering its valued members manageable credit cards that make sense. That’s why we keep fees minimal and clear.

Requirements Amount
Annual Fee $0
Cash Advance Fee $0
Balance Transfer Fee $0
Foreign Transaction Fee 1%/transaction
Late Payment Fee $25 or less
Returned Payment Fee $25 or less
Card Replacement Fee $15

Check out our Visa card disclosure.

How to Spot Credit Card Fraud | Free Infographic

Online Access

Our online banking platform allows you instant access to your credit card transaction history and bill payments any time of day.

  • Check balances
  • Make payments
  • View statements

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Interest Benefits

With the Better Rate Visa® Credit Card, you can pride yourself on on-time payments. If you pay in full by your regular due date, you won’t be charged interest—it’s like an interest-free loan!

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Rewards Earned

With the Better Rewards Visa® Credit Card, you can get rewarded just for spending—each dollar you spend earns you a point. Accumulate those points to redeem for travel opportunities, gift cards or cash.


If you are a current Better Rewards cardholder, we have great news. We are excited to announce that we have made some updates to the platform for members that carry the Better Rewards Visa Credit Card! Here's what you can expect:

  • Fresh new look and function in order to view your points and redeem your rewards.
  • Rewards & redemption will remain the same.
  • Contact information has changed. The new contact phone number will be 855.854.5493.
  • All cash redemptions will be deposited electronically via direct deposit (may take up to 5 days)

We hope you love the newer, easier way to redeem your rewards!

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See Your Account Options

Unlimited Double Points

Interested in learning more about the credit card options at SFFCU? Fill out the form below and one of our representatives will contact you to learn about your financial needs.

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