SAFE CREDIT THAT PAYS YOU BACK EVERY SWIPE.
Meet SafeCU Credit Cards — up to 1.5% unlimited cash back, 0% intro APR for 15 months, no annual fee, FICO® protection and Apple Pay in 60 seconds. Trusted by 280,000+ members.
Three cards. Zero compromise.
From maximal cash back to minimal APR — pick the plastic that works as hard as you do. All with $0 annual fee and 24/7 fraud shield.
Cash Rewards Visa
Unlimited 1.5% on everything, 3% on groceries & gas first year.
- $0 annual fee, $0 foreign fee
- 0% intro APR 15 months
- Cell phone protection $600
Platinum Low-Rate
From 9.99% APR variable. Crush debt with 0% on transfers 18 months.
- 0% balance transfer 18 mo
- No penalty APR, no fees
- Free financial coaching
Student Start
Build credit from 580 score. 1% back + $50 good grades bonus yearly.
- No co-signer, no deposit
- Free FICO + credit tips
- Auto CLI in 6 months
We’re not a bank. We’re your neighbor.
SAFE Credit Union started in 1940 serving Sacramento County. Today 280,000+ members and $4.8B in assets trust us — because profits go back to you as lower rates, higher rewards and zero junk fees. Our credit cards are built by members, for members.
Military-grade safety
EMV chip, biometric login, instant lock, $0 fraud liability, dark-web monitoring.
60-second decision
Soft pull pre-qualify, no score impact. Add to Apple / Google Pay instantly.
Member-first profit
Average member saves $412/year vs big banks on interest + fees.
Green & local
Recycled plastic cards, 1% to Sacramento schools, free coaching.
Cash back without math headache
No rotating categories, no points expiration. Just real cash to statement, deposit or gift cards.
3% groceries & gas
First 12 months up to $2,500 spend, then 1.5% unlimited. Stack with Costco & Sam’s.
2% dining & travel
Restaurants, Uber, airlines, hotels — auto-boosted, no activation needed.
1.5% everything else
Every tap, click and bill pay earns. Redeem from $1, anytime in app.
Rates & fees. No fine-print traps.
| Feature | Cash Rewards | Platinum | Student |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Intro APR purchases | 0% 15 months | 0% 12 months | — |
| Regular APR | 15.99–24.99% | 9.99–18.99% | 16.99–22.99% |
| Balance transfer | 0% 12 mo, 3% fee | 0% 18 mo, 2% fee | — |
| Foreign transaction | 0% | 0% | 1% |
| Late fee | up to $25 | up to $25 | waived 1st time |
APR variable based on creditworthiness as of Sept 2026. Example: $2,000 at 15.99% paid $100/mo = 23 months, $312 interest. Membership eligibility required ($5 share).
How much will you earn?
Slide your monthly spend. See real cash back in seconds.
From click to tap in 3 steps
1. Pre-qualify (60s)
Soft check, no score drop. See your limit & APR instantly.
2. Verify & sign
Upload ID, e-sign, choose cash back auto-redeem. Done on phone.
3. Pay & earn
Add to wallet instantly. Physical recycled card arrives in 3-5 days.
Questions? Answered.
12,400 five-star reviews
“Switched from Chase — saved $900 interest + got $512 back. App is insanely fast.”
— Maria G., Sacramento“Approved in 47 seconds at 2am. Added to Apple Pay and bought groceries same night.”
— James L., Folsom“Student card built my score 590 → 740 in 11 months. Free coaching is gold.”
— Priya S., DavisFresh money moves
Guides, rate alerts and product drops from SafeCU editors. Click to read full story.
No news yet — check back soon. In the meantime explore our cards.
Get $200 + 0% APR for 15 months
Spend $1,000 in 90 days. No annual fee. Instant decision, instant wallet. Offer ends Dec 31, 2026.
Soft pull only • No impact to score • NCUA insured
Visit us
3728 Madison Ave, Sacramento, CA 95821
Mon–Fri 9–18, Sat 9–14
Support: (800) 733-7233 • in app chat 24/7