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Sacramento Credit Union Platinum, Platinum Rewards and Secured Visa

Sacramento Credit Union

One State/TerritoryVariable · PrimeNo credit score
Issuer site ↗
Purchase APR
11.50–21.40%
Annual fee
None
0% intro
6 mo
0% transfer
6 mo
Foreign fee
None
Grace period
None

Contract X-Ray — what's buried in the fine print

0 red flags · 2 filed docs

Detected in the CFPB-filed cardholder agreements from Sacramento Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
20.40%
620–719
15.40%
720+
13.40%
Lowest offered11.50%
Median13.40%
Highest offered21.40%

Introductory purchase APR

Promotional window: 6 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 6 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

No score
—
≤619
21.40%
620–719
15.40%
720+
13.50%
Lowest offered13.50%
Median—
Highest offered21.40%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance fee2% (min $5)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Late fee policy: Up to $10

Rewards, benefits and features

Rewards
  • Cashback rewards
Services
  • Automobile rental insurance
  • Credit card registration
  • Debt cancellation coverage
  • Discounts on purchases of goods and services (non travel related)
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityOne State/Territory
StatesCA
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence

Geographic: Lives or works in following counties - El dorado, Placer, Sacramento, Solano, Sutter, Yolo, Yuba

Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 0.00%$0
You save$300

Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 13.40% afterwards.

Cost to carry a balance
Interest for a year at 13.40%$402
Annual / periodic fees$0
Total yearly cost$402

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.

Cardholder agreements

2 documents filed by Sacramento Credit Union in the 2026 Q1 archive.

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