Stretch your dollars further by earning rewards on your credit card purchases
Earn rewards on your everyday purchases with a SFCU Platinum Mastercard. There are a variety of options for redeeming your credit card reward points, including cash back, travel, gift cards, & charity donations!
Earn Rewards
1% back on everyday purchases for rewards like cash back, travel, and more! Log in and go to 'Rewards' under 'Account Services' or call 866-903-9593.
No Annual Fees
No annual fee on your SFCU Platinum Mastercard makes it easy to come out ahead, regardless of your spending.
Instant Issue
Get your SFCU Platinum Mastercard instantly in branch, so you can start earning points right away.
24/7 Fraud Monitoring
We'll watch your back with 24/7 fraud monitoring, so you can feel confident your card information is safe.
And more
View all featuresRates
View ratesThe more you spend, the more rewards you earn!
With a SFCU Platinum Mastercard, you can earn 1% back on every dollar spent that you can redeem for great rewards. From cash back to travel expenses, use your rewards to make life more enjoyable.
Want to access your rewards details? Login to Online Banking and select 'Rewards' from the 'Account Services' menu. (see 'more' when in mobile) or select the rewards link below to learn more, or call 866-903-9593.
Cash Back
Turn your rewards points into cash back that can be credited to your Mastercard account balance.
Travel
Use your points toward travel expenses and take that vacation you've always dreamed about!
Gift Cards
Transform your points into gift cards, so you can enjoy specific experiences around town or around the world!
Charitable Donations
Select a charity that has personal significance and have your points converted into a cash donation to the organizations of your choice.
Card Control
Ready for an easier way to manage your Credit and Debit Cards? Our card experience gives you more control, convenience, and safety. Turn your card on/off 24/7, add travel notes, activate cards instantly, view clearer transaction info, and enjoy robust fraud protection—all from one convenient place. Log in to your SFCU account to get started TODAY!
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Yes, the rate for foreign transaction fees is 1% of each transaction in U.S. Dollars.
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Take Full Control of Your Cards – Your Security Matters
With Card Control, you can easily turn your cards on or off anytime, set travel dates/ locations, set personalized spending limits, amount, merchant, and transaction type, and quickly report lost or stolen cards with just a few clicks.You may also notify us when traveling by going go to the ‘Message Center’ under the ‘Contact Us’ menu, select ‘Compose’, and choose ‘Credit/Debit Card’ to fill in your trip details. Mobile users can access this via the ‘More’ option in the ‘Contact Us’ section to avoid service disruption.
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SFCU is available to assist you 24/7 regarding any fraud on your debit card or credit card. Call 877.642.7328 for assistance. You may also access Card Control when logged into your account.
Control your cards with ease—turn them on or off whenever you choose. Set personalized spending limits based on location, amount, merchant, and transaction type. Plus, you can report lost or stolen cards in a couple of clicks. Immediately turn off a lost or stolen card. -
We know your credit score’s importance to financial well-being, so we offer Credit Score, conveniently accessed within mobile banking. Credit Score is FREE to our members, and you can check and refresh your credit score and credit report daily without impacting your score. Do you want to improve your credit score to achieve those goals? Whether buying a house, a car, or anything requiring a loan or if you’re going to rent a new apartment or improve your overall creditworthiness, Credit Score can help you.
With Credit Score, you can set a credit score goal, receive personalized recommendations, and track your progress toward your goal. You can edit your goal anytime, and you will receive messages when meeting milestones to encourage you along the way.
And there is more! You can access the following features:
• Personalized Credit Report
• Real-Time Credit Monitoring Alerts
• Credit Score Simulator
• Credit Score Action Plan
• Credit Score EducationAre you ready to reach your financial goals? You got this! Enroll in Credit Score today. Ready, Set, Goal!
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An essential part of your financial health is to keep an eye on your credit score. Credit scores have become such an integral part of our everyday lives. That’s why it’s extremely important that you keep track and understand how your financial decisions affect those three numbers. Our easy-to-use Score Simulator within Credit Score, available online and on the app. The Score Simulator can take the “what ifs” and generate an approximate credit score that will help you see where you stand. The simulator is an easy way to gain valuable insights into your future eligibility for loans and credit cards.
How does the Credit Score Simulator work? The tool will share how much your credit score might increase or decrease based on your specific financial decisions.
Financial decisions such as:
• Applying for new credit
• Getting a new loan
• Managing your credit card balances
• Managing your payment activity
• Making payments on time
Discover how different financial decisions can impact your credit score, and financial health while making reaching your goals easier than ever.Simulate Your Score. See Where You Stand. Now.
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Log in to Online or Mobile to access ‘Rewards’ link under the ‘Account Services’ menu to keep track of and/or redeem points. You can also call 866-903-9593 to inquire or redeem your rewards.
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SFCU is available to assist you 24/7 regarding any fraud on your debit card or credit card. Call 877.642.7328 for assistance. You may also access Card Control when logged into your account.
Control your cards with ease—turn them on or off whenever you choose. Set personalized spending limits based on location, amount, merchant, and transaction type. Plus, you can report lost or stolen cards in a couple of clicks. Immediately turn off a lost or stolen card.
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1
Apply for a card
Complete the application.
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2
Receive your card
Once approved, we'll give you your new credit card.
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3
Earn rewards
Start earning rewards on every purchase with your card!
Have a question? Get in touch with us
You're going to spend anyway. Why not earn some rewards!?
With a SFCU Platinum Mastercard, you can earn 1% back on every purchase to redeem for a variety of rewards from cash back to travel expenses.
SFCU Rewards Credit Card Rates - Consumer
| Type of Card | APR (Variable Rate) as low as | Maximum APR (Variable Rate) | Annual Fees |
|---|---|---|---|
|
Mastercard® Platinum |
12.15% |
17.95% |
None |
Rates effective as of: July 14, 2025
APR = Annual Percentage Rate.
Credit Union membership is required with a $5 minimum deposit.
Variable APR based on Index/Prime Rate (7.50%) and applicable Margin (ranging from 4.65% - 10.65%).
The above rates and credit limit are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for.
The rate for foreign transaction fees is 1% of each transaction in U.S. Dollars.
Minimum payment for Platinum Mastercard is 2.00% of statement balance or $25.00 (whichever is greater).
Rates are subject to change without notice.
Features
Low interest rates
Save money with lower interest rates compared to many other credit cards.
Contactless payment
Enjoy safe and secure checkout with tap-to-pay contactless payment abilities.
No balance transfer fees
Swap your existing credit card balance to your new SFCU Rewards Card without balance transfer fees.
Easy payment options
Pay in a way that works for you with a variety of easy payment options.
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Already a Member?
Head over to online or mobile to add a new product. See ‘xPress Accounts’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.
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