San Diego County Credit Union Credit Cards

San Diego County Credit Union (SDCCU) is a leading credit union in Southern California. SDCCU serves residents of San Diego, Riverside, and Orange County, California. Browse a selection of credit card offers below.

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SDCCU Visa Platinum with Fly Miles Plus

SDCCU Visa Platinum with Fly Miles Plus
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
$0 for the first 12 months. After that, $35 Annual Fee

SDCCU Visa Platinum with Fly Miles Plus

  • 9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness Regular Purchase APR
  • 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness Balance Transfer APR
  • 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness Cash Advance APR

At a Glance

In the credit card world, ultra low APRs and rewards don’t often mix. However, the SDCCU Visa Platinum with Fly Miles Plus offers members of this credit union the best of both worlds. They’ll get the low, low rates of the basic Visa Platinum card, while also cashing in on travel rewards with every purchase. Each dollar spent will earn 1 point, on top of bonus rewards offered just for signing up.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Get 1,000 bonus points for signing up
  • Get 1,000 bonus points for enrolling in the Fly Miles Plus Reward Program
  • Annual fee waived each year you spend at least $6,000
  • Earn up to 120,000 points in one year per enrolled card
  • Regular Purchase APR: 9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness
  • Balance Transfer APR: 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
  • Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
  • Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
  • Annual Fee: $0 for the first 12 months. After that, $35
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $10
  • Return Payment Penalty Fee: Up to $20
  • You work or live in either San Diego, Riverside, or Orange County
  • You plan to enroll in the Fly Miles Plus Reward Program for extra bonus points
  • You’re able to spend at least $6,000 per year to waive the annual fee

SDCCU Cash Rewards Visa Platinum

SDCCU Cash Rewards Visa Platinum
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Visa Processing Network
None Annual Fee

SDCCU Cash Rewards Visa Platinum

  • 9.99%, 12.99%, 14.99%, or 19.99% based on creditworthiness Regular Purchase APR
  • 13.99%, 16.99%, 18.99% or 23.99% based on creditworthiness Balance Transfer APR
  • 13.99%, 16.99%, 18.99% or 23.99% based on creditworthiness Cash Advance APR

At a Glance

The SDCCU Cash Rewards Visa Platinum, from the San Diego County Credit Union, is a no-frills cash back rewards credit card. Featuring a low, competitive APR and unlimited rewards, it’s not as flashy as some of the other cash back credit cards on the market – but its simplicity is part of its draw.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn unlimited 1% cash back
  • Cash rewards automatically post to your account each month
  • Free online banking
  • $500,000 Travel Accident Insurance, Auto Rental Insurance
  • Regular Purchase APR: 9.99%, 12.99%, 14.99%, or 19.99% based on creditworthiness
  • Balance Transfer APR: 13.99%, 16.99%, 18.99% or 23.99% based on creditworthiness
  • Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each balance transfer, whichever is greater
  • Cash Advance APR: 13.99%, 16.99%, 18.99% or 23.99% based on creditworthiness
  • Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $10
  • Return Payment Penalty Fee: Up to $20
  • You live in San Diego, Riverside, or Orange County
  • You would like to earn unlimited cash rewards from everyday purchases
  • You want a credit card that does not charge an annual fee
  • You may carry a balance and want to save money in between billing cycles thanks to a low APR
  • You would like a credit card with Visa® benefits like travel accident insurance and auto rental insurance

SDCCU Visa Signature

SDCCU Visa Signature
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Visa Processing Network
$89 Annual Fee

SDCCU Visa Signature

  • 12.99%, 15.99%, 17.99%, or 22.99%, based on creditworthiness Regular Purchase APR
  • 16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness Balance Transfer APR
  • 16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness Cash Advance APR

At a Glance

The SDCCU Visa Signature earns cardholders two Signature Rewards points for ever dollar they spend on not purchases. What’s more, new cardholders earn 10,000 bonus points when they spend $3,000 in the first 90 days after opening an account. This card has no foreign transaction fees. Additionally, new cardholders don’t have to pay the annual fee for their first year.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee your first year
  • No foreign transaction fees
  • Earn 2X points for ever $1 spent
  • Earn 10,000 bonus points when you spend $3,000 in your first 90 days
  • Regular Purchase APR: 12.99%, 15.99%, 17.99%, or 22.99%, based on creditworthiness
  • Balance Transfer APR: 16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness
  • Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness
  • Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
  • Annual Fee: $89
  • Late Payment Penalty Fee: Up to $10
  • Return Payment Penalty Fee: Up to $20
  • You don’t want to pay an annual fee for your first year as a cardholder
  • You want to earn points on your purchases
  • You plan to spend at least $3,000 in their first 3 months
  • You don’t want to pay foreign transaction fees

SDCCU Visa Platinum

SDCCU Visa Platinum
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

SDCCU Visa Platinum

  • 9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness Regular Purchase APR
  • 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness Balance Transfer APR
  • 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness Cash Advance APR

At a Glance

The SDCCU Visa Platinum is the most basic credit card offer available with San Diego County Credit Union. Offering no rewards or miles, it keeps the focus on low APRs so you can pay off your balance quickly and efficiently. Its non-variable rates make it easy to calculate out potential interest accrual and build the best payment plan for tackling your debt.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Low APRs for purchases, balance transfers, and cash advances
  • No annual fee
  • Visa credit card protections
  • Regular Purchase APR: 9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness
  • Balance Transfer APR: 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
  • Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
  • Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $10
  • Return Payment Penalty Fee: Up to $20
  • You live or work in San Diego, Orange, or Riverside County and prefer credit unions to big banks
  • You prefer a fixed APR for purchases, cash advances, and balance transfers
  • You want low-to-no fees, including annual, foreign transaction, and late fees
  • You need low rates to help pay down a large balance

SDCCU Share Secured Visa Classic

SDCCU Share Secured Visa Classic
Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required
Visa Processing Network
$20 Annual Fee

SDCCU Share Secured Visa Classic

  • 15% Regular Purchase APR
  • 15% Balance Transfer APR
  • 15% Cash Advance APR

At a Glance

The SDCCU Share Secured Visa Classic credit card can help you build or repair your credit. It offers a flat, fixed APR for all transactions. Cardholders must submit a security deposit that is equal to 120% of their approved credit limit.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • One low fixed APR for all transactions
  • Build or repair your credit
  • Security Deposit ensures you wo’t spiral into debt
  • Use your card just like a regular credit card
  • Regular Purchase APR: 15%
  • Balance Transfer APR: 15%
  • Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 15%
  • Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
  • Annual Fee: $20
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $10
  • Return Payment Penalty Fee: Up to $20
  • Minimum Deposit Required: See terms
  • You have no credit or bad credit
  • You don’t qualify for an unsecured card
  • You deed to improve your credit report scores
  • You want a single fixed-rate interest for all your transactions
  • You prefer to build credit vs. using a prepaid card or debit card
  • You have the funds to pay the required security deposit

About San Diego County Credit Union

San Diego County Credit Union (sometimes stylized as SDCCU) is a leading Southern California credit union and financial institution. SDCCU serves members in three SoCal counties: San Diego County, Orange County, and Riverside County.

SDCCU dates to 1938, when the San Diego County Employees Credit Union was first established. Membership in the first decades of its existence was limited to local government employees. In the 1970s, San Diego County Employees Credit Union changed its name to the current San Diego County Credit Union and extended membership to all San Diego residents.

Today, SDCCU serves over 380,000 members across three counties. The credit union operates over 40 branches in these communities, with all deposits insured through the National Credit Union Administration (NCUA).

SDCCU offers a full selection of banking services and products, including loans, savings and checking accounts, and credit cards.

Who Can Join SDCCU?

Membership in San Diego County Credit Union is very inclusive. Anyone who lives or works In San Diego, Riverside, or Orange County can join the credit union. Additionally, all members of the Financial Fitness Association can join.

SDCCU Branch Locations

San Diego County Credit Union currently operates 43 branches throughout the three counties the credit union serves. For a complete list of all SDCCU branches, please visit the credit union’s dedicated locations page.

SDCCU members also have access to over 30,000 fee-free ATMs as part of the CO-OP national network of ATMs. Members also have access to fee-free ATMs at over 5,500 7-Eleven locations nationwide.

SDCCU FAQs   

Here are answers to frequently asked questions about San Diego County Credit Union:

  • Funds usually clear within two business days of deposit.
  • The ABA routing number for SDCCU is 322281617.
  • The customer service number for San Diego County Credit Union is 1 (877) 732-2848.
  • Customer service representatives are available from Monday to Thursday from 8 a.m. to 5 p.m., and Friday from 8 a.m. to 6 p.m. For hours for specific branches, please visit the bank’s locations page.

Browse the Best Credit Union Cards Today

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Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.