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SDFCU Premium Cash Back+ Visa Signature® Card
State Department FCU

SDFCU Premium Cash Back+ Visa Signature® Card

A no-annual-fee cash back card from State Department FCU.

Cash back only
Annual fee
No annual fee
Welcome bonus
$200 cash back
Min spend
$3,000 in the first 90 days
Recommended credit
Good (670+)
Network
Visa
Foreign transaction fee
None
Apply on State Department FCU site7.6/10Our rating · review ›

Rates, fees, and full terms are set by State Department FCU and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 17, 2026. How we verify.

Is this card right for you?

✓ Best for

people who want a simple, flat rate on every purchase with nothing to track.

⚠ Think twice if

you would rather chase elevated bonus categories than earn one flat rate.

Earning rates

2% cash back on every purchase with no caps

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee and no foreign transaction fees
Credit lines start at $5,000
Redeem for statement credit or deposit

Alternatives to the SDFCU Premium Cash Back+ Visa Signature® Card

Pairs well with

The SDFCU Premium Cash Back+ Visa Signature® Card earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the SDFCU Premium Cash Back+ Visa Signature® Card lands.

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