Stanford FCU Alumni Rewards Visa® Credit Card review | finder.com

Stanford Alumni Rewards VISA® Credit Card review

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Stanford Alumni Rewards VISA® Credit Card

Earn accelerated points on gas and groceries and save money on fees.

  • Get this card if you’re a Standard FCU member wanting to earn points on everyday purchases and save money on fees.
  • Pick something else if you want a 0% intro APR period.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameStanford Alumni Rewards VISA® Credit Card
Annual Fee$0
Standard Purchase APR12.24% to 18% variable
Intro Purchase APR

N/A

Standard Balance Transfer APR12.24% to 18% variable
Intro Balance Transfer APR 1.99% for the first 6 months (then 12.24% to 18% variable)
Balance Transfer FeeNone
Cash Advance Rate12.24% to 18% variable
Cash Advance FeeNone
Foreign Transaction FeeNone
Interest Free PeriodUp to 22 days
Late Payment FeeUp to $7
Returned Payment FeeUp to $20
Minimum Age18 years of age
Welcome Offer10,000 after spending $1,000 in the first 90 days
Rewards3x points on gas, 2x points on groceries, 1x points on all other purchases
Base Rewards1x points

The basics

The Stanford Alumni Rewards VISA® Credit Card is a decent family card that lets you earn accelerated rewards on everyday purchases such as gas and groceries. Based on your creditworthiness, you can get a low APR and save money on fees, including on cash advance fees and on an annual fee.

However, you must be a Stanford FCU member to own the card.

Another everyday cashback card

Blue Cash Everyday® Card from American Express

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms apply.
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Card benefits

  • Signup bonus. Spend $1,000 in your first 90 days of account opening to earn 10,000 bonus points. That’s a $100 redemption value according to the Stanford FCU website.
  • Reward points. Earn 3x points on gas purchases, 2x points on groceries and 1x points on everything else you buy.
  • Intro APR on balance transfers. Make a balance transfer in the first 60 days of card membership and use a 1.99% intro APR period for 6 months. A variable APR of 12.24% to 18% applies thereafter.
  • Limited fees. The card has no annual fee. Most of its other fees are waived, including fees for foreign transactions, balance transfers, cash advances and overlimit.

What to watch out for

How to apply for the Stanford Alumni Rewards VISA® Credit Card

  1. Hold a Standard FCU membership.
  2. Visit the Stanford FCU website and locate the card.
  3. Members apply with Credit union member and non-members apply with Non-credit union member.
  4. Fill out the application form.
  5. Review the form and submit.

What credit score do I need?

You have higher chances of approval with a good to excellent credit score of 670 or higher.

Compare rewards credit cards

Name Product Welcome Offer Rewards Annual Fee Filter values
$150 after spending $1,000 in the first 3 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
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
3% cash back bonus on up to $10,000 in the first 12 months, then 1.5%
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
$150 after spending $1,000 in the first 3 months
1.5% cash back on all purchases
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees

Compare up to 4 providers

Bottom line

This card might be especially appealing for families who hold Standard FCU membership and want to earn rewards on gas and grocery purchases without paying an annual fee. The Stanford Alumni Rewards VISA® Credit Card also lets you earn a decent signup bonus and save money with a low APR and no fees.

But if you think there could be a better option for you, compare other credit cards until you find the right card for your wallet.

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