Cash Back Credit Card | Bay Area CA Visa Benefits

Shop for cool stuff and earn more rewards with this Visa credit card

It's a really simple formula with some really fantastic outcomes:

Earn 3X points on purchases at Amazon, Google and Apple¹
Earn 2X points on all other dining and groceries¹
Get 1X points for every $1 spent everywhere else
Receive a 2% cash bonus as an Ambassador level member²
Turn points into cash, gift cards, airfare, hotels, and merchandise—see it all in the Rewards Catalog

That's the fun part you'll love. And you'll also appreciate the added convenience and tools you can put to use for your finances.

No annual fee, no hassle
Get a cash advance or transfer your balance from another credit card to save money with a lower rate—all fee-free
Make purchases around the world without a foreign transaction fee
Go digital by adding your card to your mobile wallet for more security and convenience
Set up alerts to track transactions and fight fraud, using Digital Banking
Lock your card when you don't need it, unlock it easily when you do
Tell us when you travel so we make sure your transactions process smoothly

Low 1.99% APRand no balance transfer fee³

At that rate, you can pay off other credit card balances quickly. The intro rate holds for 6 months on balance transfers made in the first 60 days.

Earn 25,000 bonus points⁴

Spend $1,500 on your credit card in the first 90 days of account opening and bring home 25,000 points. We're talking $250 cashback!

Tech Card Rates

Effective Date: 5/11/26
Rate Information	Annual Percentage Rate for Purchase	Grace Period for Balances of Purchases	Annual Fee
13.49% to 18.00%	APR will vary with the market based on the prime rate	25 days	None

Instant digital card

You don't need to wait for the physical card to arrive. Load your Tech Card info (number, expiration date, CVV) into your mobile wallet and start using it everywhere. Set up various card controls, too. Here's how it works.

Instant digital card

You don't need to wait for the physical card to arrive. Load your Tech Card info (number, expiration date, CVV) into your mobile wallet and start using it everywhere. Set up various card controls, too. Here's how it works.

Additional, premium benefits

Concierge service, discounts at golf courses, deals at luxury hotels and so much more–all with the Stanford FCU Tech Card.

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

Can I transfer another card balance to my Stanford FCU credit card? Show

If you have the available credit limit you can easily transfer balances from another credit or charge card to your Stanford FCU credit card through Card Center in Digital Banking. Click here to transfer a balance (with no fees!).

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.

How can I read my credit card statement? Show

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.

What is Auto-Pay? Show

Auto-Pay is a feature that allows you to set up a recurring monthly payment for your Stanford FCU credit card in Digital Banking. We’ll automatically withdraw your payment every month based on the parameters that you set. You can set up automatic payments for the Minimum Payment Due, the Last Statement Balance amount or a specific dollar amount.

Set up Auto-Pay to pay a Stanford FCU credit card:

Log into Digital Banking
Select your “From Account” (the account you’ll use to make payments)
Select your “To Account” (your credit card)
Click Enroll in Auto Pay
Select the Payment Type you want to use for Auto-Pay
Click Submit
Review your Auto-Pay details and click Confirm to complete setup

You’ve successfully set up Auto-Pay!

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.

Apply for your Credit Card today! Our online credit card 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.

Can I use an external account to make automatic loan payments? Show

Yes, you can use an account at another financial institution to set up automatic payments for your Stanford FCU loans. You’ll first need to set up the external account using Plaid in Digital Banking. Click here to add an external account .

There are two ways to link your accounts:

Instant Auth. Plaid uses an instant authentication, which means you don’t have to wait on microdeposits before linking an external account. To use Instant Auth, sign in with your online credentials for your external account.
Same Day Microdeposits. If your external institution isn’t connected to Plaid, you can still use Plaid to link your accounts via Same Day Microdeposits. To complete this process, you will need your account and routing numbers. Once you submit the request, you will receive a verification code via email. The code is only valid for 7 days.

Some financial institutions scramble account numbers for security. This means you may not see your actual external account number in Digital Banking

Once your external account has been verified, you can set up automatic payments through the Make a Payment service:

Choose your external account as the From account
Select the loan you wish to pay
Click the Enroll in Auto-Pay box
Complete and submit the form

Haven’t signed up for Digital Banking yet? You can view your account history, transfer funds between your accounts, make a loan payment, access Bill Pay and eStatements…and more! Sign up for Digital Banking today to handle all your personal banking in one convenient and secure place.

Can I make my loan payment online? Show

Of course! Stanford FCU offers several convenient methods to make your loan payments:

Pay online through Digital Banking
Set up automated transfers from a Stanford FCU checking (spending) account through Digital Banking
Mail-in Payments
- Stanford Federal Credit Union
  PO Box 10690
  Palo Alto, CA 94303-0843
Pay Over the Phone by contacting a Member Care Team Specialist at 650.723.2509 (local) or 888.723.7328 toll free, Option 0.

If you want to make a loan payment at another financial institution, click here.

How do I cancel my automatic loan payments? Show

Depending on the type of loan, there are two ways to cancel your automated loan payments.

To cancel Auto-Pay for a credit card click here . Then select the Manage Auto-Pay tab, select the account, then Cancel Auto-Pay.
To cancel automatic payments for all other loans: Visit Review Transactions in Digital Banking and choose the Recurring Transaction tab to locate the recurring loan payment that you want to cancel.

If you have questions or issues, please call 888.723.7328, use Chat during business hours, or send a secure Message through Digital Banking.

How much does it cost to replace my card? Show

There is no card replacement fee to replace lost or stolen debit or credit cards. You can find all of our current Schedule of Fees listed here.

If your card is lost or stolen, you can log in to Digital Banking to order a new card, grab the card info for online purchases, download the digital version to your wallet, and report your card lost or stolen. Don’t use this service if you need rushed delivery, are shipping to an alternate address, or you’re simply replacing a damaged card and want to keep the same card number.

Log in to Card Center in Digital Banking
Click on Replace & Order Card
Follow the steps to submit your request and block your card
Return to Card Center to add your new card to your digital wallet and grab your card info for online shopping and updating any recurring payments
If you see suspicious transactions in your account history, visit Dispute Transactions in Card Center to report them to us

You can also block your card and receive a new one by calling 800.234.5354 (domestic) or 303.967.1096 (international collect).

If you simply need a replacement for a damaged card, please contact a Member Care Team Specialist at 888.723.7328or send us a secure Message through Digital Banking to request a new card.

Take control of your cards with Card Tools!

Credit and debit cards are often a source of fraud, as retailers frequently experience data breaches and the card information they store becomes available on the black market. Stanford FCU has strong fraud prevention systems to help protect our members, but we also have tools to help you manage your own cards!

Check out the Card Tools that are available in Digital Banking and take control of your cards today!

What should I do if I disagree with card charges posted to my account? Show

If you believe the charges are fraudulent, please call us immediately at 888.723.7328 so we can block your card and prevent additional fraud.

If you participated in the transaction(s), we won’t need to close your card. Please contact the merchant in question and try to resolve the discrepancy. If you start with us, the dispute may not be honored by the merchant if they weren’t contacted and given the opportunity to resolve the issue first.

If you’re unable to resolve the dispute, or if the transactions were not made by you or a family member, then you can dispute a transaction online.

Steps to dispute a debit or credit card transaction

To dispute transactions from Digital Banking, go to Card Center, then select Dispute Transactions.
Select Dispute Transactions again, then select the account associated with the dispute.
Complete the steps to give more details on the reason for the dispute. You’ll also have a chance to upload any relevant documents.
To track ongoing disputes, go to Card Center > Dispute Transactions, then select Track Dispute.
You’ll be able to view your claim status and any communications about your case. You can also upload more documents or withdraw a case.

Note: In order to preserve your rights, you MUST submit your dispute documentation within 60 days of the date of the statement that the transaction(s) appeared.

You can also manage your credit and debit cards 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.

Click here to dispute a Zelle^® or ACH transaction.

What is a credit score? Show

A credit score predicts how likely you are to pay back a loan. Companies use a mathematical formula called a scoring model to create your credit score from information in your credit report. Your credit report contains information about your experience paying loans and other bills.

Stanford FCU provides each member with their free credit score quarterly in Digital Banking.

Some factors that make up a typical credit score include:

Your history paying bills
Your current unpaid debt, like credit card and other loan balances
The number and type of loan accounts you have
How long you’ve had loans
How much of your available credit you’re using
Any new applications for credit
Whether you’ve had a debt sent to collections, a foreclosure or bankruptcy

Banks, credit unions and other lenders use credit scores to make decisions about whether to offer you a mortgage, credit card, auto loan, or other credit product. The credit score is also used to determine the interest rate you receive on a loan or credit card, and the credit limit.

It’s important to know that there are many different types of credit scores available to you and lenders. The actual scores will vary depending on the scoring model, the source of your credit history, the type of loan product, and even the day it was calculated.

Stanford FCU uses two different credit scores:

FICO^® Score for real estate loans
VantageScore 3.0 for consumer loans (vehicle, personal and credit cards)

Both credit scores range from 300 to 850 and were developed jointly by the three major credit bureaus (Experian, Equifax, and Transunion). Usually a higher score makes it easier to qualify for a loan and may result in a better interest rate.

Where did Stanford FCU get my VantageScore that’s posted online?

Stanford FCU partners with Experian to provide all of our members with your free VantageScore. You can also request your free credit report directly from annualcreditreport.com.

Will viewing my score hurt my credit?

No, Stanford FCU does a soft pull on your credit so it will not affect your score.

Can I opt out of viewing my score?

Stanford FCU provides your VantageScore based on Experian data to help you monitor your credit so you can qualify for more affordable loans. You can opt out of receiving it by calling 888.723.7328 or sending us a secure Message through Digital Banking.

Will this VantageScore be used for my consumer loan or mortgage loan application?

The credit score you see in your Digital Banking is used for informational purposes only, as your actual score can change frequently. When you apply for a loan with us, we will pull your full credit report and use that credit score and history.

How often is my online score updated?

We will update your score four times per year at the beginning of each quarter (January 1st, April 1st, July 1st, and October 1st). New members won’t see their credit score until the beginning of the quarter following their new membership date.

Why can’t I see my credit score in Digital Banking ?

There are several reasons why you may not have a credit score:

You’re a new Stanford FCU member
You opted out (you can opt back in by calling 888.723.7328 or sending us a secure Message through Digital Banking
Our information about you is mismatched or missing, e.g., an address change that has not been updated with Stanford FCU or Experian
Your credit history is too new
Your account status is abandoned, bankrupt, fraud, closed, revoked, charged off, lost or stolen
You have a foreign address

Can I get a copy of my credit report? Show

You can get your own credit report for free by visiting annualcreditreport.com.

Your credit score is a reflection of the information contained in your credit report, and we encourage members to review their credit report regularly. Here’s what you should look for and what it means to your credit:

Accuracy – Review the entire report for general accuracy. If you see any accounts that you didn’t open or any existing accounts with errors, you should contact the credit bureau to request a correction.
Inquiries– Your credit report will show who has been accessing your credit report. There are two types of inquiries:
- Soft inquiries include inquiries made by creditors with whom you already have a credit account, inquiries where you’re monitoring your own credit, or when your credit is checked by a lender to make you a pre-approved credit offer. Since lenders are not making a lending decision or guaranteeing approval, these inquiries are typically considered promotional and won’t affect your credit score.
- Hard inquiries occur when a business has accessed your credit report in connection with an application for credit. If you see any hard inquiries that you don’t recognize, it may be an indication that someone is attempting to obtain credit using your name and social security number. In that event, you should quickly report the inquiry to the credit bureau.

Your Free Credit Report

Under federal law, you are entitled to a free copy of your credit report once every 12 months from each of the three credit bureaus: Equifax, Experian, and TransUnion. The bureaus have established one central service for consumers to contact:

Annual Credit Report Request Service

Website: annualcreditreport.com

Telephone: 877-322-8228

Mail: P.O. Box 105281, Atlanta, GA 30348

You can obtain your three reports all at once, or stagger your requests throughout the year to monitor your credit more frequently. Your credit score is not included with the report, although you can purchase it for a fee. You can also view your free credit score quarterly in Digital Banking!

Stanford Alumni & Athletics® Fan Rewards Visa® Credit Card FAQs Show

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.

Make educated financial decisions, protect your personal information, and more with help from these handy resources.

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Visa Agreement Disclosure

All credit cards are subject to credit approval and membership eligibility. A U.S. address is required for membership. Rates are based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice. APR=Annual Percentage Rate.

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.

³ 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.

⁴The 25,000 bonus points offer does not apply to balance transfers. Additional points will be credited at the end of the month. $1,500 spent on the Tech Card must be made within the first 90 days of account opening. 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.

*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.

Tech Card

Shop for cool stuff and earn more rewards with this Visa credit card

Find what you need, faster.

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