Credit Cards

Classic VISA®

The easiest way to pay and keep moving forward

Banking is not your first priority, and it should never get in the way of the things that matter most to you. The Stanford FCU Classic VISA® Card is accepted at millions of merchant locations in over 120 countries. Carry this versatile card and you’ll never have to worry about carrying checks or having enough cash. Just use the card and get on with your life.


  • NO Annual Fee
  • Earn FREE Select Rewards points for travel and merchandise
  • NO foreign currency exchange fee — great for international travelers!
  • NO cash advance fee
  • NO balance transfer fee
  • Low annual percentage rate (APR)
  • Purchase Security (FAQ | Guide)
  • Auto Rental Collision Damage Waiver (FAQ | Guide)
  • Fraud Text Alerts



Set Up Your Mobile Wallet

Mobile Wallets are no longer the wave of the future. They’re an everyday payment option.

Get started today:

  1. Set up your Mobile Wallet. Choose the option (Apple Pay, Samsung Pay, Android Pay) that is compatible with your mobile device. Download the appropriate app and follow the installation instructions.
  2. Make a Contactless Purchase. Wherever you see the contactless symbol, you can use your mobile wallet. Select the Stanford FCU payment card within your mobile device and either tap or hover your device over the merchant card reader to activate the transaction.

Enjoy all the benefits of your Stanford FCU VISA debit or credit cards using Mobile Wallets.


Learn More



Method of computing the balance of purchases:
 Average Daily Balance Including New Purchases
VISA® Card
Annual Percentage
Rate for Purchase
Grace Period for
Balances of Purchases
Classic VISA® 17.99% Corresponding to a daily period rate of 0.0493% 25 Days None

APR=Annual Percentage Rate

See Rates


No Hidden Fees

We don’t believe you should have to pay extra just to use basic banking services. We have the VISA® Card that fits your lifestyle without any hidden fees, allowing you to do more and bank less.

Annual Fee None
Cash Advance Fee None (Interest will be charged on Cash Advances starting on the transaction date.)
Balance Transfer Fee None (Interest will be charged on Balance Transfers starting on the transaction date.)
Rewards Program Fee None
Foreign Transaction Fee None
Late Payment Fee $7
Return Payment Fee $20.00 or the amount of the required minimum payment, whichever is less
Penalty APR None

See VISA® Agreement Disclosure

Membership Rewards

As a true not-for-profit financial cooperative, the more our member-owners use the services of their credit union, the stronger we become—and the more low cost services we can provide. That’s the basis of our Membership Rewards program—the more services you use, the more benefits you’ll receive! Whether you are a borrower, saver or both, you will receive extra benefits when you take advantage of the many great products and services at Stanford FCU. Move all of your financial services to Stanford FCU and easily reach the highest level of Membership Rewards. It’s easy to switch and we can help!

You’ll enjoy exclusive benefits like bonus deposit yields and loan rate discounts, unlimited surcharge-FREE ATMs worldwide and more based on your Membership Rewards level—so why stand for anything less? Make the most out of your banking experience with Membership Rewards.

partner_icon ambassador_icon
FREE Access to ATMs Worldwide Surcharge reimbursements for ATMS outside our ATM networks* Yes, 3 per month Yes, unlimited*
FREE access 30,000 CO-OP ATMs and 6,000 CO-OP Shared Branches Yes Yes
Certificate Bonus Rate Yes Yes
Money Management Account Bonus Rates No Yes
Premier Market Savings Account (PMSA) Bonus Rate No Yes
Premier Checking Bonus Rate No Yes
Discount on Auto Loan Rate 0.50% APR Discount 1.00% APR Discount
Stanford FCU Mortgage Fees Waived** No Yes
Fee Refunds:
Below Minimum Balance Fees 50% 100%
Stop Payment Fee 50% 100%
Outgoing Wire Fees 50% 100%
Select Service Charges 50% 100%

Learn more about
Membership Rewards

* Maximum ATM surcharge reimbursement is $5 per ATM transaction. ** Third-party fees still apply.


Stanford FCU does not charge foreign transaction fees, but other financial institutions or merchants may.All members are required to have a $5 membership share balance in any of the following accounts: Checking Account, Savings Account, Money Management Account, Share Certificate or Individual Retirement Account.