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
Rates
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!
-
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. -
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.
-
Yes, the rate for foreign transaction fees is 1% of each transaction in U.S. Dollars.
-
If you are traveling within the continental United States, you do not need to provide your travel dates. If you are traveling internationally, let SFCU know your travel dates and destination(s) before you leave. This can help prevent your debit or credit card transactions from being flagged as unusual activity and reduce the chance of your card being declined while traveling.
To add your travel dates and locations, log in to Online or Mobile Banking, go to Card Controls, and select Manage Travel Plans for each card you plan to use while traveling.
-
1
Apply for a card
Complete the application.
-
2
Receive your card
Once approved, we'll give you your new credit card.
-
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 | 13.250% | 17.95% | None |
Rates effective as of: August 20, 2026
APR = Annual Percentage Rate.
Credit Union membership is required with a $5 minimum deposit.
Variable APR based on Index/10-year U.S. treasury rate and applicable Margin (ranging from 8.80% - 18.55%).
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.
Test Modal
Modal Content
Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.
Let's Get Started!
Not a Member?
We’d love to welcome you to the SFCU family! Getting started is easy – just click the link below to begin opening your account.
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.
Leaving Our Website
You are leaving our website and linking to an alternative website not operated by us. We do not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.