Athletics® Fan Rewards and Alumni Rewards VISA® Credit Card FAQs

New Credit Union Membership FAQs

What is a Credit Union?
Credit unions are not-for-profit organizations that exist to serve their members. Like banks, credit unions accept deposits, make loans and provide a wide array of other financial services. But as member-owned and cooperative institutions, credit unions provide a safe place to save and borrow at reasonable rates.

  • Member-Owned: You are more than a member, you are part owner. Credit unions are owned and controlled by the people, or members, who use their services. Your vote counts. A volunteer board of directors is elected by members to manage a credit union.
  • Not-for-Profit: Credit unions operate to promote the well-being of their members. Profits made by credit unions are returned back to members in the form of reduced fees, higher savings rates, and lower loan rates.
  • Membership: Members of a credit union share a common bond, also known as the credit union’s “field of membership.” You may be able to join based on your employer, family, geographic location or membership in a group.
  • Community Involvement: Members often have shared interests, and appreciate participating in an institution designed to help other members. Credit unions may provide financial education and outreach to consumers; support local businesses, and provide charitable donations.
  • Cooperative: The cooperative structure of credit unions creates a cycle of mutual assistance towards the common goal of the financial well-being of members.
Why do I need to open a membership in order to open a Rewards Credit Card?

Through their bylaws, credit unions are required to have consumers become members before they can partake in the products and services offered. The Regular Savings Account, with a minimum deposit of $5.00, qualifies you as a member. Stanford FCU takes care of its new members by putting the $5 requirement into the savings account on your behalf. This $5 represents your ownership share, allowing you to fully participate and vote at our annual member meeting.

What are some of the fees I will have to pay for my accounts?

Compared to our peers, Stanford FCU is in the bottom 10th percentile when it comes to low or no fees. We have made it a point to eliminate or maintain lower-than-average fees for services, which our members use most often in an effort to provide our members with more value. Please review our Rates and Fees page for details.

How often do I need to have activity in the Regular Share Savings Account to keep it in active status?

There are no minimum balance or activity requirements for the Regular Share Savings Account.

Is Stanford Federal Credit Union FDIC insured?
Stanford Federal Credit Union is federally insured by the National Credit Union Administration (NCUA). The National Credit Union Share Insurance Fund is the federal fund created by Congress in 1970 to insure member’s deposits in federally insured credit unions. Administered by the NCUA, it provides members with at least $250,000 of deposit insurance at a federally insured credit union. The Share Insurance Fund is backed by the full faith and credit of the United States. Credit union members have never lost a penny of insured savings at a federally insured credit union.

New Credit Card / Credit Card Switch FAQs

Who can get the Stanford Athletics® Fan or Stanford Alumni Rewards Credit Cards?

Stanford alumni can apply for either the Stanford Alumni Rewards Credit Card, or the Stanford Athletics® Fan Rewards Card. The Stanford Alumni Rewards Credit Card helps support the Stanford Alumni Association. The Stanford Athletics® Fan Rewards Card supports Stanford Athletics®. Alumni who choose the Fan Card will support both organizations. The Stanford Athletics® Fan Rewards Card is available to all Stanford fans! It’s free to become a credit union member, and a U.S. residential address is required.

What Visa benefits do I get with my Stanford Athletics® Fan or Alumni Rewards Visa Credit Card?
  • Auto Rental Collision Damage Waiver
  • Purchase Security / Extended Warranty
  • Travel & Emergency Assistance
  • Up to $1,250 Lost Luggage Reimbursement
  • Up to $500,000 Travel Accident Insurance
  • Warranty Manager Service
  • Up to $1,000 Personal Identity Theft
  • Cell Phone Protection
When will I receive my new Alumni Rewards or Athletics® Fan Rewards Credit Card?
You will receive your new credit card within 10 business days after you are approved. If you have not received it, please contact Stanford FCU at 1.888.723.7328. If you are an alumni, please call 1.888.371.8584.
Do your cards contain an EMV Chip? Why is this an important security measure?
  • Peace of mind. Your Rewards Visa Credit Card features the additional security of an embedded microchip (also called an EMV or Smart Chip). This technology is already used around the world, and makes traveling internationally much easier. Use your card with confidence – at home and abroad – knowing the chip in your card can help protect you from fraud.
  • Chip-enabled cards are easy to use. Your Rewards Visa Credit Card has chip and magnetic stripe technology. That means regardless of what type of terminal a merchant has, you’ll be able to use your card anywhere Visa is accepted.
  • PIN vs Signature. Depending on the merchant, you will either be prompted to sign for the transaction or asked to enter your PIN.
I currently have a Stanford FCU Credit Card and I want to switch to a different Stanford FCU Credit Card. What do I do?

You can do this through any of our channels – branch, online or contact center. The process is very seamless, although there are several elements you will need to consider before agreeing to move forward with the card switch. These areas of agreement include:

  • The interest rate on your new card may be different than the rate on your existing card. If you pay your balance in full each month, this will not have an impact on you.
  • Your FICO score may be adversely impacted by the closure of your current card.
  • Automatic transfers or bill payments linked to your current card may need to be re-established.
  • Joint / authorized users on your current card will also be transferred to the new card.
  • Your current card may be turned off before the new card is activated. You will need to activate your new card upon receipt.

Should you decide not to move forward with switching your card type but still desire a new Stanford FCU credit card, you can always apply for an additional card through our normal loan application process.

Credit Card Rewards / Points FAQs

What are the reward points I can earn with my Stanford Athletics® Fan or Alumni Rewards Visa Credit Card?
  • 3X on gas and Stanford Bookstore purchases
  • 2X on groceries
  • 1X on all other purchases
  • BONUS POINTS: Spend $1,000 in the first 90 days of owning the card and earn 10,000 additional points
Do I get extra points for gas or grocery purchases?
Yes. You receive triple the points on gas purchases and double the points on grocery purchases. Stanford FCU does not control how merchants are categorized. Please be aware that the merchant must have the merchant code signifying that the transaction is for purchase at a gas station or grocery store. Transactions within all establishments count as one reward point.
Can I earn reward points by paying my bills using my Rewards Visa Credit Card?
Yes. You will earn great rewards with the level determined by the merchant code. So even if paying your gas card, the merchant code may signify the transaction for 1x points for $1 spent, and not 3X points on gas purchases.
How do I earn extra points?
You can earn 10,000 bonus points if you spend $1,000 on your Stanford Athletics® Fan or Alumni Rewards Visa Credit Card in the first 90 days of account opening. Balance transfers are not eligible for reward points.

Another way to earn extra points on an ongoing basis is to participate in special retailer offers, which can range up to 15X the purchase amount. To learn more, log into Online Banking and select: Credit Card Rewards > Select your credit card > Redeem your Reward Points > Earn More Rewards.

What is the maximum dollar amount I can earn on bonus points?
The bonus points are capped at $6,000 per year.
What is the cash equivalent for each reward point?
Each 1-reward point is equal to $0.01.
Where can I redeem my reward points?
  • Sign into Stanford FCU Online Banking
  • Select “Credit Card Rewards” on the left navigation bar
  • Select your Rewards Credit Card from the drop-down menu
  • Select “Redeem Your Reward Points” to access the Rewards Website

Credit Card Functionality FAQs

 

Using My Card While Traveling

How can I avoid problems using my credit card when I’m traveling?
We recommend that you set a Travel Notice on the credit card you plan to use while traveling, to prevent any interruption in card access. To set a Travel Notice, sign into Online Banking and complete the Travel Notice form. If you don’t have access to Online Banking, please contact Stanford FCU at 1.888.723.7328. If you are an alumni, please call 1.888.371.8584.
Can I use my Rewards Visa Credit Card at an ATM in a foreign country?
Yes. The largest networks are the MasterCard/Cirrus, Visa/Plus and American Express networks, which have ATMs worldwide in more than 100 countries. Remember these three important considerations when using foreign ATMs:

  • Some foreign ATMs are only available during normal business hours
  • Many foreign ATMs have instructions in English, but not all of them
  • You PIN must be 4 digits. Some ATMs do not accept PINs longer than 4 digits
What are some tips for using ATMs in foreign countries?
ATMs can be used to get foreign currency while traveling, and may save you money when compared to buying currency at exchange rate booths. Despite the advantages, you need to be prepared for special circumstances that can arise when using an international ATM. Here are a few tips to help you on your way:

    • Check the network: Check your card’s network. Cards in the Cirrus and Maestro networks often feature ATMs with easy-to-read instructions in English
    • Research the country: There are some countries where ATM transactions are blocked. Please research the country to verify whether you will be able to use your credit card
    • Understand the types of fees charged: Fees may be incurred for using the ATM, and there may also be fees for currency conversion and cash advances. It is usually better to make a few large transactions instead of multiple smaller ones
    • Make sure your PIN is valid: Some ATMs only allow 4-digit PINs. If your current PIN is longer than 4 digits, you may need to get a new PIN before you start your trip
    • Have a backup plan: Some ATMs limit your access, so have an alternative means of making purchases, such as using foreign currency, Travelers Cheques, or a debit card
    • Additional tips: Remember that not all foreign ATMs offer instructions in English

If you are unable to use a foreign ATM, you may be able to use your credit card to make a cash advance at a local bank.

Using my Card to Pay Bills

Can I pay my utilities, internet, auto insurance, and cell phone using my Rewards Visa Credit Card?
Yes. Many providers allow you to make payments using your credit card, but please check with the providers since some may not allow this option. You will need to provide your Rewards Visa Credit Card number and expiration date to your provider for payments using your credit card. Stanford FCU treats your payment as a purchase, with your rewards level determined by the merchant code. This option provides a nice way to have all your bills / expenses on one statement. Be sure to update your expiration date and credit card number any time a new credit card is issued.
Is there a fee when I pay my bills using my Rewards Visa Credit Card ?
Stanford FCU does not charge a fee. We treat your payment as a purchase, with your rewards level determined by the merchant code. Please check with the provider to see if they charge processing or convenience fees when making a payment with your credit card.
Can I use my Rewards Visa Credit Card to make payments in Bill Pay?
No. This feature is not yet available.

Suspected Fraud or Lost / Stolen / Replacement Card

My Rewards Visa Credit Card has been lost/stolen, what should I do?
If you suspect your card has been lost or stolen, please contact Stanford FCU at 1.888.723.7328. If you are an alumni, please call 1.888.371.8584. To better assist us in servicing your account, please let us know where your card was lost/stolen, and the last authorized transaction on the card.

How do I request a new replacement Rewards Visa Credit Card?
You can request an additional card or a replacement card by calling 1.888.723.7328. If you are an alumni, please call 1.888.371.8584. You may also send us a secured message once you log into Stanford FCU Online Banking.

If I suspect fraud or forgery, what should I do?
  • Sign into your Stanford FCU Online Banking
  • In the Accounts Overview page under Credit Card Account, click on your Alumni Rewards Credit Card
  • In the new credit card account info page, click HELP & INFO, then select Contact Us
  • Complete the Fraud Affidavit form under the If You Suspect Fraud section
  • Fax it to the number provided on the form, or mail it to the address provided on the Contact Us page
If I want to dispute a transaction, what should I do?
If you do not recognize a charge or feel you were billed an incorrect amount, please follow these three steps:

1. Double-check your receipts and check with other authorized users of your card

2. Contact the merchant where the purchase originated

3. If you are unable to resolve your dispute with the merchant, then complete the following:

  • Sign into Stanford FCU Online Banking
  • In the Accounts Overview page under Credit Card Account, click on your Alumni Rewards Credit Card
  • In the new credit card account info page, click HELP & INFO then select Contact Us
  • Complete the Visa Dispute form under the Dispute A Transaction section
  • Fax it to the number provided on the form

Other

Can I manage my Rewards Visa Credit Card account using my mobile device?
Yes. Bank on your schedule with the Stanford FCU Mobile Banking App. You can stay on top of your credit card account balances, pay your credit card bill with your Stanford FCU checking or savings accounts and more. You can download our mobile banking app by visiting the Apple Store or Google Play today.

How do I change or get a personal identification number (PIN) for my credit card?
You can simply call 1.888.891.2435 to get or change the PIN. You must call from the primary phone number listed on file.

Can I access my Alumni Rewards Visa Credit Card account information online?
Yes. You can do all these things online:

  • Get a summary of your current account status, including balance, available credit and payment information
  • See how many points you earned this period, total points earned, when your next expiration date is for your points, and how many points will expire on that date
  • Make your credit card payment online
  • Download transactions for use with financial management software

Credit Card Rates, Fees and Credit Line Increases FAQs

Does the Stanford Athletics® Fan or Alumni Rewards Visa Credit Card have a special offer for balance transfers?
Yes. It is 1.99% APR for 6 months as long as the balance transfer is made within the first 60 days of account opening. There will be other balance transfer promotions throughout the year. We encourage you to check your email or mail box for additional information from Stanford FCU.

What are the rates and fees associated with the Rewards Credit Card?
Please see our Rates and Fees page.

How do I request a credit line increase?
To request an increase, please log into Stanford FCU Online Banking to submit a new credit card application, or contact us at 1.888.371.8584.

Stanford Athletics® FAQs

Does Stanford Athletics® receive compensation from Stanford FCU?
Yes. Stanford Athletics® and Stanford Federal Credit Union have a sponsorship and licensing agreement. This program assists in supporting activities and services for the athletics departments.

Who should I contact if I have questions about my Stanford Athletics® Rewards Visa Credit Card?
Please contact Stanford FCU at 1.888.723.7328.

Stanford Alumni Association FAQs

Does Stanford Alumni Association receive compensation from Stanford FCU?
Yes. The Stanford Alumni Association and Stanford Federal Credit Union have a sponsorship and licensing agreement. This program assists in supporting activities and services for alumni and students.

Who should I contact if I have questions about my Alumni Rewards Visa Credit Card?
Please contact Stanford FCU at 1.888.371.8584.

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