What if your credit card worked to help you thrive? Ours does. Shop local. Shop online. Shop while you travel. And rest assured – No fees*. No Surprises.
|
Feature |
SACFCU Visa |
Other Credit Cards |
|---|---|---|
|
Purchases |
✅ 9.90% Fixed |
❌ 18.74%–29.99% |
|
Balance Transfers |
✅ 9.90% Fixed |
❌ 18.74%–29.99% |
|
Cash Advances |
✅ 9.90% Fixed |
❌ Up to 29.99% |
|
Foreign Transactions |
✅ 1.00% fee |
❌ Up to 3% |
|
Late Pymt Fee |
✅ Up to $15.00 |
❌ Up to $40.00 |
With a low fixed 9.90% APR and fewer fees, the SACFCU Visa keeps your costs down.
- No balance transfer fees
- No transaction fees
- No cash advance fees
- No annual fees
- 9.90% APR – purchases
- 9.90% APR – cash advances or balance transfers
- Secure EMV Chip-enabled card
- Secured Credit Cards are available
- *Late fees will be charged on late payments. No punitive interest rates for late or missed payments.
Card Controls
Control your cards in the SACFCU app:
- Temporarily lock your card
- Report your card lost or stolen
- View card activity
Travel Notification
When planning domestic or international travel, please notify us. We’ll ensure your cards are available for use while traveling:
Travel Notification Form
To Report a Lost or Stolen Visa Credit Card
- In the U.S.A, call 1-800-754-4128
- While traveling internationally, call +1-727-227-9012.
To Report Fraud or Dispute a Transaction on Your Visa Credit Card
- Call 1-833-995-2888
Visa Credit Card Solicitation Disclosure
View PDF of Solicitation Disclosure
|
Interest Rates and Interest Charges: |
|
|---|---|
|
Annual Percentage Rate (APR) for Purchases |
9.90% |
|
APR for Balance Transfers |
9.90% |
|
APR for Cash Advances |
9.90% |
|
How to Avoid Paying Interest on Purchases |
Your due date is at least 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
|
For Credit Card Tips from the Consumer Financial Protection Bureau |
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. |
|
Fees |
|
|
Foreign Transaction Fee |
1.00% of each transaction in U.S. dollars |
|
Late Payment Fee |
Up to $15.00 |
How We Will Calculate Your Balance:
We use a method called “average daily balance (excluding new purchases) (including new balance transfers and cash advances).”
Effective Date:
The information about the costs of the card described in this application is accurate as of April 20, 2022.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Classic is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee:
$15.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
Statement Copy Fee:
$5.00.
*Rates and fees may change at any time. Actual terms may depend on creditworthiness and specific card products. Comparisons made here are based on national averages for credit card rates and fees available at the time this page was posted.