SDFCU Premium Cash Back+ Visa Signature
By Alex Compton · Last verified
2% everywhere with no foreign transaction fee, and anyone can join.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $200 | $3,000 in 3 mo | Terms reconfirmed$200 bonus | Archive record · no attached snapshot |
| 2016-01 | $200 | $3,000 in 3 mo | Earliest recordLong-running $200 offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 2xAll qualifying purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦No foreign transaction fee on a flat 2% card, the killer combo
- ✦Membership open to everyone via American Consumer Council
- ✦Credit lines start at $5,000 with Visa Signature benefits
Why it earns its spot
- +The rare 2% card you can take abroad for free
- +Welcome bonus on a flat-rate card
- +Open membership despite the State Department name
Where it costs you
- −Credit union application process takes patience
- −$3,000 bonus spend is steep for a $200 payout
The Compound Verdict
The quiet champion of flat-rate cash back. Citi and Wells charge 3% abroad on their 2% cards; this one charges nothing, pays a real bonus, and lets anyone in through a consumer council membership. The clunky credit union onboarding is the only tax.
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