SDFCU Savings Secured Platinum Rewards Credit Card
VisaIssued by State Department Federal Credit Union
Earn 1 Flexpoint for every $1 spent while building credit with no annual fee.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
15.49% – 15.49%
Rate based on prime rate.
SIGN-UP BONUS
-
No welcome bonus is currently available for new cardholders.
TOP POINTS
1 Flexpoint per $1
Earn 1 Flexpoint for every dollar spent on eligible purchases.
Key Benefits
- Helps establish or rebuild credit history by reporting to all three major bureaus
- Credit limit is secured by funds in an SDFCU savings account
- Earn Flexpoints Rewards on everyday purchases
- Instant digital card issuance upon approval
- No annual fee and no foreign transaction fee
Important Limitations
- Users who do not wish to tie up savings as collateral
- Seeking high-value welcome bonuses
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| All | 1 Flexpoint per $1 | Unlimited (no annual cap) | Earn 1 Flexpoint for every dollar spent on eligible purchases. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
15.49% – 15.49%
CASH ADVANCE APR
15.49% – 15.49%
FOREIGN TRANSACTION FEE
0%
BALANCE TRANSFER FEE
$5 OR 3%
CASH ADVANCE FEE
2%
Card Protection & Benefits
Flexpoints Rewards Program
- ✓Earn points for every dollar spent and redeem for travel, gift cards, or merchandise.
No Foreign Transaction Fees
- ✓Pay no additional fees when making purchases outside of the United States.
Security Features
- ✓Visa Zero Liability – Protection against unauthorized charges.
Best Use Cases
IDEAL FOR
- Credit building and rebuilding
- International travelers wanting a secured card with no FX fees
- SDFCU members who want to earn rewards while securing their credit
NOT RECOMMENDED FOR
- Users who do not wish to tie up savings as collateral
- Seeking high-value welcome bonuses
Maximize Your Rewards Strategy
Earn More Points
- 1 Flexpoint per $1 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 points 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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