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Now rewarding every drive

Earn up to 6% on gas and EV charging purchases when you fuel up or plug in with a Stanford FCU credit card—from May 21 thru September 7.*

Great rates, fantastic cashback rewards, must-have digital banking tools

All that comes with whichever Stanford FCU credit card you choose. What doesn't come with our cards? Nuisance fees, hassle, obstacles that slow you down. Compare your credit card options to find the perfect fit. For current Stanford students, alumni, Cardinal fans and techies—we have everyone covered.

Tech Card

Love getting cashback? Shop at Amazon? Here's the must-have credit card.

Learn more Apply now
Alumni Rewards Credit Card

Support Stanford alumni and students with every purchase.

Learn more Apply now
Stanford Athletics® Fan Rewards Credit Card

You're always in game day mode. Get the card that matches your spirit.

Learn more Apply now
Student Cash Rewards Credit Card

Unlimited cashback and no fees while you build credit—that's an A+ effort.

Learn more Apply now
Select the accounts you want to compare:
Member Top Pick
Tech Card

Best for Cal fans, and anyone else who doesn't bleed Cardinal red

Learn more Apply now
Alumni Rewards Credit Card

Best for grads who want to support fellow alumni and current students

Learn more Apply now
Stanford Athletics® Fan Rewards Credit Card

Best for Cardinal fans who love to follow all the action

Learn more Apply now
Student Cash Rewards Credit Card

Best for building credit while earning unlimited cashback

Learn more Apply now
  • Earn 3X points on purchases at Amazon, Google and Apple1
  • Earn 2X points on dining and groceries
  • Get 1X points for every $1 spent everywhere else
  • Receive a 2% cash bonus as an Ambassador level member2
  • Get 25,000 bonus points (that’s $250 cashback!) when you spend $1,500 in your first 90 days3
  • Low 1.99% APR intro rate for 6 months on balance transfers (no balance transfer fees!)4
  • Earn 3X points on purchases at Amazon, Google and Apple1
  • Earn 3X points on Stanford Travel/Study, Stanford Alumni Fan Shop, select Stanford on-campus dining and the Stanford Bookstore
  • Earn 2X points on all other dining and groceries
  • Get 1X points for every $1 spent everywhere else
  • Receive a 2% cash bonus as an Ambassador level member2
  • Get 25,000 bonus points (that’s $250 cashback!) when you spend $1,500 in your first 90 days3
  • Low 1.99% APR intro rate for 6 months on balance transfers (no balance transfer fees!)4
  • Earn 3X points on purchases at Amazon/Google/Apple, Stanford Athletics Fan Shop, select Stanford on-campus dining and the Stanford Bookstore1
  • Earn 2X points on all other dining and groceries
  • Get 1X points for every $1 spent everywhere else
  • Receive a 2% cash bonus as an Ambassador level member2
  • Get 25,000 bonus points (that’s $250 cashback!) when you spend $1,500 in your first 90 days3
  • Low 1.99% APR intro rate for 6 months on balance transfers (no balance transfer fees!)4
  • Earn 5% cashback for select on-campus dining and the Stanford Bookstore
  • Earn 2% for all other restaurants and food delivery
  • Earn 1% for everything else (credited to your account monthly)5
  • Receive a 2% cash bonus as an Ambassador level member2
No annual, foreign transaction, cash advance or balance transfer fees
No annual, foreign transaction, cash advance or balance transfer fees
No annual, foreign transaction, cash advance or balance transfer fees
No annual, foreign transaction, cash advance or balance transfer fees

The benefits shown are administered by third parties and are subject to change without notice. Stanford FCU is not responsible for the accuracy of the information posted herein.

Make your everyday purchases easy and secure with a credit card from Stanford Federal Credit Union. Contact us or visit a Bay Area CA branch to get started.

Our members and their stories matter most.

Building credit from the ground up
Stanford FCU significantly aided my transition to the U.S. by providing a credit card, which was essential for daily reliance and for immediately establishing my credit score. Furthermore, SFCU offered a highly favorable auto loan, a crucial assistance as I was new to the country and faced difficulties securing loans from other financial institutions due to my limited credit history. Stanford FCU proved to be an invaluable resource, helping me settle in without unnecessary financial worries.
Govardhan
Helping members build credit
I opened my first ever bank account with Stanford FCU, creating the foundation for my credit score.
Nicole
No credit history, no problem
Stanford helped me to open the account without credit history as I moved recently to US and provide the banking support and helped me to sustain in US.
Rajesh
Saving the day
As an international student, Stanford FCU made it really easy for me to open a bank account before I even arrived in the U.S. They helped me set up my checking account and debit card without needing a U.S. credit history, which was a huge relief. I also appreciate how friendly and patient the staff were in explaining how banking works here. It really helped me get settled quickly.
Halil
Support when you need it most
Stanford credit union was such a great blessing to our family. They helped us with the purchase of our first ever house and made it possible acquire our second house where we live in now. The members of Stanford credit union have always treated us like family and always a welcome and a happy smile.
Catherine

Frequently asked questions

We have a convenient guide to help you understand the sometimes-confusing details about your credit card (and of course we’re always available to help). Click here to view and download the PDF: How to Read Your Credit Card Statement.

Stanford FCU offers several convenient ways to make your credit card payments:

You can also manage your credit card with convenient online Card Tools like text alerts, locking and unlocking your card, notifying us when you’ll be traveling, and more. You’ll be automatically enrolled to receive fraud alerts.

You cannot change the Auto-Pay date. The Auto-Pay date will always be the due date listed on your credit card statement.

Discover new ways to manage your credit card with convenient online Card Tools like text alerts, locking and unlocking your card, notifying us when you’ll be traveling, and more. You’ll be automatically enrolled to receive fraud alerts.

You can apply for a credit card without a social security number. All of our other loan products require a social security number. 

Members will apply for a credit card through Digital Banking. Non-members must first apply for membership online in as little as 10 minutes. You can also apply by phone at 888.723.7328 or make an appointment at a local branch to discuss your loan needs.

Visit our credit card page to learn more about our credit cards.

Our Business Rewards credit card has a low rate, virtually no fees, and you’ll earn one point for every dollar spent (two points for restaurants and food delivery like DoorDash). Your cashback will be credited to your account monthly. Click here to learn more or contact us at [email protected].

Get started by reviewing our credit card options to find the right card for whatever you need:

Our online application process is secure, quick and simple. Current members can apply through Digital Banking. Non-members must first apply for membership online in as little as 10 minutes.

All of our credit card options have no annual fee, no balance transfer fees, no cash advance fees, and no foreign transaction fees! Most options earn rewards points with every purchase. Visit our Credit Cards web page to view our different card options, and visit our Card Benefits web page to explore the additional benefits available for each card.

If you don’t qualify for another Stanford FCU credit card, you may be offered the Secured Credit Card.

The Secured Credit Card is a way to build or rebuild good credit. The Secured Credit Card uses your savings account as collateral, and it works just like any other credit card. There are no annual fees, and no cash advance or balance transfer fees. There are no foreign transaction fees on purchases in other countries.

The Secured Credit Card comes with the following features:

  • Online management tools in Card Center, like text alerts and locking/unlocking your card
  • Tap and pay
  • Mobile wallet compatibility
  • Instant digital card for online purchases and subscriptions
  • Credit limits from $500 to $1,000
  • Backed by your savings account at 110% of the credit limit

The Secured Credit Card also comes with the following benefits:

View the Secured Credit Card’s rates and fees.

Do I need to be a member of the credit union to get a Rewards Credit Card?

Yes, you must become a member before you can use any products or services. When you apply for your credit card, you can become a member at the same time by opening a checking (spending) or savings account with a minimum deposit of $5.00. Stanford FCU will put the $5.00 requirement into the savings account on your behalf. It represents your ownership share, allowing you to fully participate and vote at our annual membership meeting. Membership eligibility is required, and you must have a U.S. address.

Who can get the Stanford Alumni or Athletics® Fan Rewards Visa® Credit Card?

The Stanford Athletics® Fan Rewards Card is available to all Stanford fans! The Stanford Alumni Rewards Visa Credit Card is only available to Stanford alums, although sports fan alums may prefer the Stanford Athletics Fan Card - both cards support the Stanford Alumni Association and have the same features and benefits.

In addition to the rewards points, what other benefits do I get with a Stanford Alumni or Athletics® Fan Rewards Visa® Credit Card?

  • No annual fee
  • No foreign transaction fees
  • No balance transfer or cash advance fees
  • Manage your card with convenient online tools like text alerts, locking and unlocking your card, notifying us when you’ll be traveling, and more
  • Emergency Card Replacement and Emergency Cash Delivery
  • Travel and Emergency Assistance Services
  • Roadside Dispatch
  • Concierge Services

Learn more about all the extra benefits available with your credit card!

How long does it take to receive the Card?

You should receive your new credit card within 10 business days after you’re approved. If you do not receive it within 10 days, please contact Stanford FCU at 888.723.7328. If you are an alumni, please call 888.371.8584.

What is the bonus point value?

Earn one (1) point for every $1 spent (more if it’s 2X or 3X points). Each point is worth $.01, so 2,500 points have a $25 value. The bonus points can be redeemed for cash, gift cards, merchandise, hotels and airfare. You can redeem your points through Digital Banking. The maximum points earned per calendar year are 12,000 points for the 3X category and 6,000 points for the 2X category. The 1X category has no point maximum.

What are the rates and fees associated with the Rewards Credit Card?

Please visit our Rates and Fees page.

Does the Stanford Alumni Association or Stanford Athletics® receive compensation from Stanford FCU?

Yes. Both the Stanford Alumni Association and Stanford Athletics® have sponsorship and licensing agreements with Stanford Federal Credit Union. These programs assist in supporting activities and services for the Athletics Department, alums and students.

If you don’t qualify for another Stanford FCU credit card, you may be offered the Cash Rewards credit card.

The Cash Rewards credit card earns 1% cashback on all purchases. Cashback is credited to your account each month. There are no annual fees, and no cash advance or balance transfer fees. There are no foreign transaction fees on purchases in other countries.

The Cash Rewards credit card has the following features:

  • Online management tools in Card Center, like text alerts and locking/unlocking your card
  • Tap and pay
  • Mobile wallet compatibility
  • Instant digital card for online purchases and subscriptions

The Cash Rewards credit card also comes with the following benefits:

View the Cash Rewards credit card’s rates and fees.

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Disclosures

13X points are based on merchant code description and not product. Merchandise must be purchased from Amazon, Google, or Apple. The maximum bonus spend per calendar year is $6,000 for both the 3X and 2X categories, after which those categories earn 1X. The 1X category has no point maximum.

2The cash bonus is calculated based on purchases made with your Stanford FCU credit card, minus any credits and returns, and excluding cash advances and balance transfers. You must be an Ambassador at the time the cash bonus is paid at the beginning of each month. Cash bonus is capped at $100 per month and $1,200 per year, and deposited into the member's checking or savings account. Any taxes due on the bonus deposit are the sole responsibility of the recipient. The bonus is discretionary and subject to change without notice.

3The 25,000 bonus points offer does not apply to balance transfers. To earn the bonus, $1,500 in purchases must be made on a Tech Card, Stanford Athletics Fan Rewards Card, or Stanford Alumni Card within the first 90 days of account opening. Additional points will be credited at the end of the month. Earn one (1) point for every $1 spent (more if it’s 2X or 3X points). Each point is worth $.01, so 2,500 points have a $25 value.

4APR=Annual Percentage Rate. 1.99% intro APR is the rate for six months on balances transferred from another financial institution within the first 60 days of account opening. After that, the APR will be the same as the current purchase rate of 13.49% to 18.00% APR.

5The following on-campus dining locations earn 5% cash back: CoHo, Coupa Cafés, Decadence Café, EVGR Marketplace, EVGR Pub & Beer Garden, Forbes Family Café, Jimmy V’s, Late Night at Lakeside, Med Café, Olives at Building 160, Ray’s Grill, Redwood City Café (Cardinal Café), SLAC Café, Stanford Dining Halls, Stanford Dining online meal plans, Stanford Law Café, Stanford Stadium Concessions, Sunken Diamond Concessions, The Axe & Palm Café, The Market at Munger, and Tresidder Union Square.

*Up to 6% back includes a 3% promotional cash bonus on eligible gas and EV charging purchases made between 5/21/26 and 9/7/26, capped at $100 per month and $500 total for the promotional period, per member; plus the 1X point or 1% statement credit for gas and EV charging purchases; plus the 2% credit card cash bonus for Ambassador Loyalty+ members. Cash bonuses and rewards are earned on eligible purchases made with your Stanford FCU credit card, minus any credits and returns, and excluding cash advances and balance transfers. Cash bonus and rewards eligibility is determined by merchant category codes assigned by the merchant or card network, not by specific products or services purchased. The gas and EV offer is not available for the Business Rewards Card. Account must be open and in good standing at the time bonuses are paid, which occurs at the beginning of the month following the qualifying purchases. Cash bonuses will be deposited into your spending or savings account. Any taxes due on the bonus deposits or rewards are the sole responsibility of the recipient. Offers are subject to change or cancellation at any time without notice. Terms, rates, and fees apply—see full details when you apply.

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