Premium Cash Back+ Credit Card

The Premium Cash Back+® Credit Card is a VISA signature credit card with cash back rewards and a low annual percentage rate. Credit lines start at $5,000.  


  • Earn 2% cash back on qualifying purchases1  
  • Low rate 
  • Introductory bonus of $200 if you spend $3,000 in the first 90 days2
  • Online mall with opportunity to earn more cash back  
  • Additional VISA Signature Benefits (such as Travel and Emergency Assistance Services and Roadside Dispatch) 
  • 25-day grace period on all purchases 
  • Ability to join SDFCU and apply at the same time
  • Contactless chip technology

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premium cash back+ card


annual fee
No Annual Fee
foreign transaction fee
No Foreign Transaction Fee
balance transfer
No Balance Transfer Fee

Credit Card Rates

Products APR*
Premium Cash Back+ Credit Card 9.99% - 15.99%
Platinum Rewards Credit Card 7.74% - 15.74%
Savings Secured Credit Card 12.74%


Rates effective June 1, 2022

Annual Percentage Rate (APR) based on evaluation of applicant's credit. Your actual APR will be within the stated range and will be disclosed at the time of disbursement. Unless otherwise stated rates subject to change monthly.

How Contactless Cards Work


Contactless Symbol

1. Look

Find the Contactless Symbol at Checkout

Tap Card

2. Tap

Tap your contactless card on the checkout terminal

Quick Processing

3. Go

Your payment is processed in seconds!*

Start tapping today!

*The merchant may ask you to sign or enter your PIN. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.



Mobile Wallet


Load your SDFCU credit card to your mobile wallet. This is a secure and easy way to make a purchase with just one click or tap of your smartphone. 



apple pay



samsung pay



visa checkout



google pay







View credit card disclosures.

1 Certain restrictions apply. View your card agreement.

2 You will earn a $200 bonus if you spend $3,000 in eligible purchases within 90 days of your SDFCU Premium Cash Back+ Card enrollment date, which are not later returned, disputed, or rescinded. The purchase requirements and exclusions that apply to cash back rewards also apply to the bonus. The bonus will be available in your Rewards Portal after the billing cycle in which it was earned. Existing or previous SDFCU Premium Cash Back+ Card members may not be eligible for this onetime bonus. This promotional offer applies to new SDFCU Premium Cash Back+ Cards enrolled. 

Wherever you see this payment icon newonlinecheckoutlogo, you can enjoy an easy, smart and secure online checkout experience. To make a purchase, you’ll no longer have to enter 16-digit primary account numbers, look up passwords or fill out long forms. Enjoy this new experience to pay with your Visa cards when you see this icon newonlinecheckoutlogo where Visa is accepted.