Stanford Federal Credit Union Tech Card | Consumer Financial Protection Bureau

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

15.24% – 18%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	17.24%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: None, interest begins accruing on purchases immediately
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

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

Services

Discounts on purchases of goods and services (non travel related)
Extension on manufacturer’s warranty
Roadside Dispatch NortonLifeLock Lost Luggage Reimbursement Personal Identity Theft Travel Accident Insurance Cell Phone Protection Golf Discounts Audi Car Rental D

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%*

+

$0

*As of Jun. 30, 2024. 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%*

+

$0

*As of Jun. 30, 2024. Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score	Median cash advance APR
620-719	17.24%

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.