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Sacramento Credit UnionChecked Oct 4, 2026

Sacramento Credit Union Platinum, Platinum Rewards and Secured Visa

No annual fee. Purchase APR 11.5–21.4%, variable.

Annual fee
Purchase APR
Foreign transaction fee
Read the card agreementRates and fees

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What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender$250$250
Typical spender$565$565
Heavy spender$1,010$1,010
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

  • Worth more to a typical spender than about 100% of the 49 cards on our Secured list (see the list).
  • No annual fee, like about 90% of the 49 cards on our Secured list (see the list).
  • Lower top APR than about 65% of the 577 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

How you earn

  • 4× pointsGas
  • 4× pointsEV Charging
  • 4× pointsRideshare (Uber, Lyft, and limousines)
  • 3× pointsRestaurants, Fast Food
  • 3× pointsGroceries
  • 1× pointsEverything else

Rates and fees

Annual fee
Purchase APRvariable
Intro APR6 months
Balance transfer APR
Cash advance APR
Cash advance fee
Foreign transactions

Carrying a balance? See how long it takes to pay off

Benefits

  • Earn up to 8% in Travel Credits, up to $230, on qualifying stays purchased using an eligible Sacramento Credit Union Visa card on Booking.com; sign-up for a free account is required.
  • Access to 7-day Visa Exclusive Presale opportunities to Sofar Sounds shows plus a free ticket per show, twice per year, with the purchase of one or more tickets.
  • Free access to Dovly Uplift with the card.
  • Rental car
  • Roadside

Questions

What is the annual fee?
None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
What is the purchase APR?
11.50–21.40% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there an intro APR?
0% for 6 months. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026

Other points cards with no annual fee

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).