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Stanford FCU Visa® Platinum Cash Back Rewards Credit Card review

Earn unlimited 1% cash back on everything you buy and save money on fees.

  • Get this card if you want to earn flat cash back on all purchases.
  • 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.

1% cash back on all purchases

Rewards

$0

Annual fee

8.99% to 17.99% variable

Purchase APR

670

Minimum Credit Score

Details

Annual fee$0
Welcome offerN/A
Rewards1% cash back on all purchases
Purchase APR8.99% to 17.99% variable
Balance transfer APR0% intro for the first 6 months (then 8.99% to 17.99% variable)
Minimum Credit Score670
IssuerVisa
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Review by


Kliment Dukovski is an investments writer who has written over 600 articles to help readers find and compare the best financial options. 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

Aside from earning unlimited cash back on all purchases, the Stanford FCU Visa® Platinum Cash Back Rewards Credit Card comes with a low APR and fewer fees than similar bank-issued cards. But don’t expect to earn a signup bonus or get a 0% intro APR period on purchases and balance transfers.

How to apply for the Stanford FCU Visa® Platinum Cash Back Rewards Credit Card

  1. Visit the Stanford FCU website and locate the card.
  2. Members click Members apply now, non-members click Non-members apply now.
  3. Fill out the application form.
  4. Review the form and submit.

What credit score do I need?

Increase your chances of approval with a good credit score of 670 or higher.

Card benefits

  • Cash back. Earn unlimited 1% cash back on all purchases. Though, most other credit cards with a flat cashback rate offer 1.5%.
  • Fewer fees. You won’t pay fees to keep the account open, for cash advances or balance transfers. And if you want to use your card overseas, you won’t pay foreign transaction fees. You’re only fees are $7 for late payments, and up to a $20 for returned payments. Similar cards charge up to $38 for late payments.
  • Potentially low APR. Depending on your creditworthiness, you can get an APR of 8.99% to 17.99% variable.

What to watch out for

  • No signup bonus. You won’t find cash or reward incentives to sign up for this card. Compare credit cards with bonus offers if you want this perk.
  • No 0% intro APR period. Despite having a low APR, a 0% intro APR can help you save more money on interest.

Compare cash back credit cards

Name Product Welcome Offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 statement credit after spending $3,000 in the first 6 months
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 other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Capital One Quicksilver Cash Rewards Credit Card
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Blue Cash Everyday® Card from American Express
Earn a $200 statement credit after spending $2,000 in the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)
$0
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
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Bottom line

If you’re looking to earn cash back on all purchases and save money with a low APR and fewer fees, the Stanford FCU Visa® Platinum Cash Back Rewards Credit Card could be an option.

But if you don’t find this card appealing, compare other credit card until you find the right fit for your wallet.

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