What is the difference between a Credit Card and a Debit Card? - Stanford Federal Credit Union Skip to main content
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Global supply chain issues are impacting delivery times for plastic credit and debit cards. We appreciate your patience and understanding as you wait for your card. A digital version of your card is always available in Online Banking and the mobile app, so you can load it to your mobile wallet, add it to your subscriptions, and shop online. Go to Services > MORE OPTIONS > Digital Card.

Alert Notification Icon

Global supply chain issues are impacting delivery times for plastic credit and debit cards. We appreciate your patience and understanding as you wait for your card. A digital version of your card is always available in Online Banking and the mobile app, so you can load it to your mobile wallet, add it to your subscriptions, and shop online. Go to Services > MORE OPTIONS > Digital Card.

What is the difference between a Credit Card and a Debit Card?

A debit card uses money in your checking account. When you use your debit card, funds are immediately withdrawn from your checking account.

When you use a credit card, you are borrowing money from a pre-determined line of credit offered by a financial institution (a loan). Each month you will receive a statement showing your purchases and the minimum payment due. If you do not pay your credit card in full each month, you will be charged interest on the money you still owe.

You can 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.

Stanford FCU offers a great selection of credit cards featuring:

  • No annual fee
  • Low interest rates
  • No foreign transaction fees
  • No cash advance fee
  • No balance transfer fee
  • Fraud text alerts

Browse our credit card options and compare rates to select the card that’s right for you.

Members will apply through Online or Mobile Banking. Non-members can apply online in as little as 10 minutes by completing our Online Loan Application.

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