FAQs

If you don’t qualify for another Stanford FCU credit card, you may be offered the Cash Rewards credit card.

The Cash Rewards credit card earns 1% cashback on all purchases. Cashback is credited to your account each month. There are no annual fees, and no cash advance or balance transfer fees. There are no foreign transaction fees on purchases in other countries.

The Cash Rewards credit card has the following features:

• Online management tools in Card Center, like text alerts and locking/unlocking your card
• Tap and pay
• Mobile wallet compatibility
• Instant digital card for online purchases and subscriptions

The Cash Rewards credit card also comes with the following benefits:

• Emergency card replacement
• Emergency cash disbursement
• Roadside dispatch
• Visa® offers and perks
• Zero Liability
• Lost luggage reimbursement
• Personal identity theft
• Travel accident insurance
• Travel and emergency assistance services
• Purchase security – extended protection
• Purchase security

View the Cash Rewards credit card’s rates and fees.

If you don’t qualify for another Stanford FCU credit card, you may be offered the Secured Credit Card.

The Secured Credit Card is a way to build or rebuild good credit. The Secured Credit Card uses your savings account as collateral, and it works just like any other credit card. There are no annual fees, and no cash advance or balance transfer fees. There are no foreign transaction fees on purchases in other countries.

The Secured Credit Card comes with the following features:

• Online management tools in Card Center, like text alerts and locking/unlocking your card
• Tap and pay
• Mobile wallet compatibility
• Instant digital card for online purchases and subscriptions
• Credit limits from $500 to $1,000
• Backed by your savings account at 110% of the credit limit

The Secured Credit Card also comes with the following benefits:

• Emergency card replacement
• Emergency cash disbursement
• Roadside dispatch
• Visa^® offers and perks
• Zero Liability
• Purchase security – extended protection

View the Secured Credit Card’s rates and fees.

Do I need to be a member of the credit union to get a Rewards Credit Card?

Yes, you must become a member before you can use any products or services. When you apply for your credit card, you can become a member at the same time by opening a checking (spending) or savings account with a minimum deposit of $5.00. Stanford FCU will put the $5.00 requirement into the savings account on your behalf. It represents your ownership share, allowing you to fully participate and vote at our annual membership meeting. Membership eligibility is required, and you must have a U.S. address.

Who can get the Stanford Alumni or Athletics^® Fan Rewards Visa^® Credit Card?

The Stanford Athletics^® Fan Rewards Card is available to all Stanford fans! The Stanford Alumni Rewards Visa Credit Card is only available to Stanford alums, although sports fan alums may prefer the Stanford Athletics Fan Card - both cards support the Stanford Alumni Association and have the same features and benefits.

In addition to the rewards points, what other benefits do I get with a Stanford Alumni or Athletics^® Fan Rewards Visa^® Credit Card?

• No annual fee
• No foreign transaction fees
• No balance transfer or cash advance fees
• Manage your card with convenient online tools like text alerts, locking and unlocking your card, notifying us when you’ll be traveling, and more
• Emergency Card Replacement and Emergency Cash Delivery
• Travel and Emergency Assistance Services
• Roadside Dispatch
• Concierge Services

Learn more about all the extra benefits available with your credit card!

How long does it take to receive the Card?

You should receive your new credit card within 10 business days after you’re approved. If you do not receive it within 10 days, please contact Stanford FCU at 888.723.7328. If you are an alumni, please call 888.371.8584.

What is the bonus point value?

Earn one (1) point for every $1 spent (more if it’s 2X or 3X points). Each point is worth $.01, so 2,500 points have a $25 value. The bonus points can be redeemed for cash, gift cards, merchandise, hotels and airfare. You can redeem your points through Digital Banking. The maximum points earned per calendar year are 12,000 points for the 3X category and 6,000 points for the 2X category. The 1X category has no point maximum.

What are the rates and fees associated with the Rewards Credit Card?

Please visit our Rates and Fees page.

Does the Stanford Alumni Association or Stanford Athletics^® receive compensation from Stanford FCU?

Yes. Both the Stanford Alumni Association and Stanford Athletics^® have sponsorship and licensing agreements with Stanford Federal Credit Union. These programs assist in supporting activities and services for the Athletics Department, alums and students.

All of our credit card options have no annual fee, no balance transfer fees, no cash advance fees, and no foreign transaction fees! Most options earn rewards points with every purchase. Visit our Credit Cards web page to view our different card options, and visit our Card Benefits web page to explore the additional benefits available for each card.

Get started by reviewing our credit card options to find the right card for whatever you need:

• Tech Card
• Stanford Alumni Rewards
• Stanford Athletics^® Fan Rewards
• Student Cash Rewards

Our online application process is secure, quick and simple. Current members can apply through Digital Banking. Non-members must first apply for membership online in as little as 10 minutes.

Our Business Rewards credit card has a low rate, virtually no fees, and you’ll earn one point for every dollar spent (two points for restaurants and food delivery like DoorDash). Your cashback will be credited to your account monthly. Click here to learn more or contact us at [email protected].

You can apply for a credit card without a social security number. All of our other loan products require a social security number. 

Members will apply for a credit card through Digital Banking. Non-members must first apply for membership online in as little as 10 minutes. You can also apply by phone at 888.723.7328 or make an appointment at a local branch to discuss your loan needs.

Visit our credit card page to learn more about our credit cards.

You cannot change the Auto-Pay date. The Auto-Pay date will always be the due date listed on your credit card statement.

Discover new ways to manage your credit card 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 several convenient ways to make your credit card payments:

• Make a payment in Digital Banking
• Enroll in Auto-Pay in Digital Banking to automate your monthly payments!
  • Simply select your accounts, then check the box next to “Enroll in Auto-Pay” and select the “Payment Type” option.
  • Click the Submit button when you’re finished
• Mail in your payment
  • Stanford FCU VISA
    PO BOX 37035
    BOONE, IA 50037-0035
• Pay over the phone by calling 650.723.2509 (local) or 888.723.7328 toll free, option 0
• Visit one of our branches

You can also manage your credit card 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.

We have a convenient guide to help you understand the sometimes-confusing details about your credit card (and of course we’re always available to help). Click here to view and download the PDF: How to Read Your Credit Card Statement.