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BEWARE OF IMPOSTER TEXT ALERTS FROM SFCU! Do not click links, do not reply, do not call their phone number, do not give out your login ID, password or access code. Always call us directly at 888.723.7328 to confirm.

Credit Cards

Visa® Student Platinum Cash Back Rewards Credit Card

Platinum Cash Back Credit Card

Build your credit while in school with 5% APR* and no fees for 5 years—earn up to 3% cash back!

The Student Platinum Cash Back credit card is a safe and easy way to start building credit. Enjoy a low rate, NO fees, and 1% cash back for every dollar spent (3% for Stanford Bookstore purchases and 2% for restaurant and food delivery purchases!). The cash is credited back to your credit card account quarterly. You must be a current student to apply.

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  • UNLIMITED 3% cash-back on Stanford Bookstore purchases, 2% cash-back on dining purchases, and 1% for everything else (automatically credited to your account quarterly)
  • ONLY 5.00% APR and ZERO fees for 5 years*
  • ZERO annual fee, no cash advance or balance transfer fees
  • ZERO foreign transaction fees on purchases in other countries
  • Monitor your free credit score quarterly in Online Banking and the mobile app (App Store | Google Play)
  • Manage your card with convenient online tools like text alerts, locking and unlocking your card, and more
  • ID Navigator Powered by NortonLifeLock™ gives you access to smart tools to help protect against identity theft
  • Fraud text alerts, tap and pay, and compatible with mobile wallets
  • We’ll help you understand how to use your new card responsibly and provide financial education
  • We make it easy to switch to a Stanford Alumni Rewards Visa® with a higher credit limit after you graduate!
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Student Platinum Cash Back Rewards Credit Card Rates

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Rate Information Annual Percentage Rate for Purchase Grace Period for Balances of Purchases Annual Fee
5.00% APR is fixed for the first 60 months 25 days None
10.49% to 17.99% After 60 months, the APR will vary with the market based on the prime rate 25 days None

Effective 9/23/22. Method of computing the balance of purchases: Average daily balance including new purchases

Credit Card Education

Learn about credit cards and establishing good credit with our online learning modules.
You can also check your credit with a free credit report.

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All credit cards are subject to credit approval and membership eligibility. Proof of student eligibility required. Applicant must be at least 18 years old. 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.