Choosing a credit card can be daunting. There are a lot of options out there, each with varying features and benefits.

Ask yourself the following questions to make sure you’re choosing the best one for you.

  • Do I need to transfer a balance from another credit card and save with a card that has no balance transfer fee?
  • Do I tend to revolve a balance so I need to be mindful and choose my lowest rate option?
  • What kind of rewards do I want to get? Do I want to earn reward points towards airline tickets and hotels or do I want to earn cash back?
  • Do I need a card that has no foreign transaction fees (ISA fees) while I travel or work abroad?
  • Do I want a card with special features like roadside assistance, phone protection or rental insurance?

Having a clear understanding of your wants and needs with a new credit card will help you narrow down your options. Take a look at the cards available to you as an SDFCU member. You will discover that we have a card for everyone. Offering low rates, no excess fees and many valuable features and benefits, our cards are a win for you.

Learn more about our cards.

If you aren’t quite ready for a credit card because you are establishing or building your credit – try our Savings Secured Credit Card, which offers many of our credit card features but is secured by the funds in your savings account.

*You will earn 2% Cash Back on all qualifying purchases. Certain restrictions apply. See the Premium Cash Back+ Program Terms and Conditions at

Copyright © 2018,