Credit Cards

Visa® Platinum Cash Back Rewards

Carry the ultimate cash back credit card

While banks try to profit off of their customers, Stanford FCU is a not-for-profit — so our members experience far fewer fees. But we take it a step further. With the Visa Platinum Cash Back Rewards Card, we help you put cash back in your pocket. Harness its purchasing power and get great cash-back rewards — it’s that simple!

To set an appointment with a member of our team, click here: Set Appointment


Credit Card Education

credit cardsIt’s important to to establish good credit and manage your debt. These online learning modules and tools can help you learn how.


  • Earn 1% cash back on card purchases
  • 3% cash back at all participating Stanford Bookstore locations, including online SU Bookstore purchases!
  • Set up your Credit Card in CardSwap—available in Online and Mobile Banking, to easily add and update your recurring charges for services like Uber, Lyft, Apple, Google, Netflix, Venmo, Doordash and more
  • Apple Pay, Samsung Pay and Google Pay — available with your credit and debit cards. Learn more.
  • NO annual fee
  • NO foreign currency transaction fee – great for international travelers!
  • NO cash advance fee
  • NO balance transfer fee
  • Purchase Security and Extended Protection (FAQ | Guide)
  • Lost Luggage Reimbursement (FAQ | Guide)
  • Auto Rental Collision Damage Waiver (FAQ | Guide)
  • Travel and Emergency Assistance Services (FAQ | Guide)
  • Travel Accident Insurance (FAQ | Guide)
  • Fraud Text Alerts



Set Up Your Mobile Wallet

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, Google 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
Platinum Cash Back Rewards Visa 10.99% to 17.99% APR will vary with the market
based on the Prime Rate.
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 Ambassador
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 Market Account Bonus Rates 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.
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