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Stanford FCU Visa® Platinum Cash Back Rewards Credit Card review

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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.

Up to 1%

Cash back

$0

Annual fee

8.99% to 17.99%

Purchase APR (variable)

0%

Intro balance transfer

for the first 6 months (then 8.99% to 17.99% variable)

Details

Product NameStanford FCU Visa® Platinum Cash Back Rewards Credit Card
Card typeVisa
Annual fee$0
Purchase APR8.99% to 17.99% variable
Balance transfer APR0% intro for the first 6 months (then 8.99% to 17.99% variable)
Balance transfer feeNone
Cash advance rate8.99% to 17.99% variable
Cash advance feeNone
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment fee$7
Returned payment feeUp to $20

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

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.

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 0% intro APR period.
    Despite having a low APR, a 0% intro APR can help you save more money on interest.

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.

Compare cash back credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Unlimited®
$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% cash back at grocery stores on up to $12,000 in the first year, 5% on Lyft and 1.5% on all other purchases
$0
Earn a $200 signup bonus after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Costco Anywhere Visa® Card by Citi
N/A
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
$0
Earn valuable cash back on everyday purchases at gas stations, restaurants and Costco as well as eligible travel with no foreign fees.
Petal® Visa® Credit Card
N/A
Up to 10% cash back from select merchants, on other purchases earn 1% back, 1.25% after six on-time payments and 1.5% after 12 on-time payments
$0
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score.
TD Cash Credit Card
$150 after spending $500 in the first 90 days
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
$0
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
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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.

Frequently asked questions

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