SDFCU Premium Cash Back+® Credit Card
VisaIssued by State Department Federal Credit Union
Earn unlimited 2% cash back on all purchases with no annual fee and a $200 welcome bonus.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
12.74% – 18%
Rate based on prime rate and creditworthiness.
SIGN-UP BONUS
200
Earn a $200 bonus if you spend $3,000 in eligible purchases within the first 90 days.
TOP CASH BACK
2% cash back
Earn 2% cash back on all qualifying purchases with no caps or expiration.
Key Benefits
- Earn unlimited 2% cash back on qualifying purchases
- Access to an online Cash Back Mall for additional merchant offers
- Digital card issuance for immediate use in mobile wallets
- No annual fee and no foreign transaction fees
- Visa Signature benefits including concierge and emergency assistance
Important Limitations
- Users who prefer points/miles for transferring to airline partners
- Small purchases if a specific category card offers >2% back
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| All | 2% cash back | Unlimited (no annual cap) | Earn 2% cash back on all qualifying purchases with no caps or expiration. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
12.74% – 18%
CASH ADVANCE APR
12.74% – 18%
FOREIGN TRANSACTION FEE
0%
BALANCE TRANSFER FEE
$5 OR 3%
CASH ADVANCE FEE
2%
Card Protection & Benefits
Auto Rental Collision Damage Waiver
- ✓Receive built-in coverage for collision or theft when you use your card to rent a vehicle.
Roadside Dispatch
- ✓24/7 pay-per-use roadside assistance program providing towing, fuel delivery, and lockout services.
Security Features
- ✓Visa Zero Liability – Protection against unauthorized charges made with your card account.
Best Use Cases
IDEAL FOR
- Everyday spenders seeking flat-rate cash back
- International travelers wanting no FX fees and Visa Signature travel perks
- SDFCU members who want a simple, high-value rewards structure
NOT RECOMMENDED FOR
- Users who prefer points/miles for transferring to airline partners
- Small purchases if a specific category card offers >2% back
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $3,000.00 to unlock $200.00 bonus
- Effective 7% return on first $3,000.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Cash Back
- 2% cash back on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-296-8882
Terms subject to change · View full terms
Last updated: Feb 24, 2026
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