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Stanford Federal Credit Union

Tech Card

This credit card is recommended for people with the following credit scores: No score

Nationwide
Availability
Eligibility requirements
  • This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

sfcu.org

Phone

(888) 723-7328

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

The company did not submit information about purchase APR.

1.99% for 6 months Introductory APR

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee
None
Minimum finance charge
No minimum interest payment is required to avoid additional fees
Grace period
30 days until interest begins to accrue on purchases
Balance computation method
Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index
The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0 Annual fee
Late fee
$7 for the first late payment and $7 for a late payment within six billing cycles of another late payment
Over-limit fee
None
Returned convenience check fee
$25 (If we provide convenience checks and member writes one that has insufficient funds)
Return Payment Fee
$20 (Member makes a payment with bad check/funds)

Rewards and perks

Cash back and travel Rewards
Services
  • Discounts on purchases of goods and services (non travel related)
  • Extension on manufacturer’s warranty
  • Roadside Dispatch NortonLifeLock
Card features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)
  • Lock/unlock card (freeze/unfreeze) Digital card access

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

1.99%* Balance transfer APR for 6 months
+
$0 Balance transfer fee

*As of . Advertised balance transfer APRs change over time. Check rates before applying.

After 6 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

15.24% – 18%* Cash advance APR
+
$0 Cash advance fee

*As of . Advertised cash advance APRs change over time. Check rates before applying.

The median cash advance APR for this card is 17%.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.