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SAFE Platinum Rewards Visa® Credit Card review

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Earn points on everything you buy to rack up rewards without paying tons of fees.

  • Get this card if you want to earn rewards and save money on fees.
  • Pick something else if you want an intro APR period or a signup bonus.
  • Apply with a good to excellent credit score of 670 or higher.


Points as welcome offer

Up to 1x



Annual fee

10.49% to 16.49%

Purchase APR (variable)


Product NameSAFE Platinum Rewards Visa® Credit Card
Annual fee$0
Purchase APR10.49% to 16.49% variable
Balance transfer APR10.49% to 16.49% variable
Balance transfer feeNone
Cash advance rate10.49% to 16.49% variable
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Penalty APR21.9% fixed
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $15
Returned payment feeUp to $10

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

Earn rewards points on everything you buy with the SAFE Platinum Rewards Visa® Credit Card. Though the rewards rate may not be as high compared to some competitors, the SAFE Platinum Rewards Visa® Credit Card makes up for it with its potentially low APR and no-fee policy when it comes to annual fees, balance transfer fees, foreign transaction fees and — sometimes — cash advance fees.

While this is all well and good, note that you don’t get to earn a signup bonus or save money with a 0% intro APR period on purchases and balance transfers with this card.

How to apply for the SAFE Platinum Rewards Visa® Credit Card

  1. Visit the SAFE website and locate the card.
  2. Click Apply now.
  3. Sign up if you are a member or click Let’s get started to apply for the card and apply for membership after that.
  4. Select SAFE Platinum Rewards Visa® Credit Card in the next section.
  5. Fill out the application form.
  6. Review the form and submit.

What credit score do I need?

You need at least a good credit score of 670 to increase your chances of approval.

Card benefits

  • Rewards points. Earn 1x points on everything you buy. This is slightly lower than the industry standard of 1.5x points.
  • Potentially low APR. You’ll get a variable APR of 10.49% to 16.49% depending on your creditworthiness. Not bad, considering other rewards cards come with a variable APR of up to 28%.
  • Potentially high credit limit. Based on factors determined by the credit union, you can get a credit line of up to $35,000.
  • Fewer fees to pay. You won’t pay an annual fee, balance transfer fees or foreign transaction fees. But you can incur a late payment fee of up to $15 and a returned payment of up to $10.

What to watch out for

  • No signup bonus. Unfortunately, you don’t get to earn a bonus of any kind in your first months of card membership. Compare credit cards with bonus offers if you want this perk.
  • No intro APR period. The card comes with potentially low APR, but a 0% intro APR credit card could be a better choice if you want to save more on interest.

Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe
20% at up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.

Compare up to 4 providers

Bottom line

Consider the SAFE Platinum Rewards Visa® Credit Card if you want a rewards credit card with a potentially low APR and fewer fees than competitor cards. But if you think there could be a better choice for you, compare your credit card options to find the right card for your wallet.

Frequently asked questions

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