Credit cards that keep it simple

Get the flexibility you need without unnecessary fees. SBCFCU credit cards offer competitive fixed rates, no annual fee, and the personal service you expect from your local credit union.

APPLY FOR A CREDIT CARD

Credit cards that keep it simple

Get the flexibility you need without unnecessary fees. SBCFCU credit cards offer competitive fixed rates, no annual fee, and the personal service you expect from your local credit union.

APPLY FOR A CREDIT CARD

No annual fee

No annual fee means one less cost to worry about when using your card.

Low fixed rates

Enjoy a fixed APR from 9.9%-15.5%, based on creditworthiness.

Last updated August 1, 2026. Rates are variable and subject to change.

Local support

Have a question or need help with your card? Get help from the SBCFCU team when you need it.

Building or rebuilding credit?

A secured credit card can be a practical way to establish or rebuild your credit. Your credit limit is secured by a deposit, giving you the convenience of a Visa card while providing an opportunity to build positive credit history through responsible use and on-time payments.

A credit limit you control

With an SBCFCU secured Visa, your refundable security deposit determines your credit limit. Choose an amount that works for you and use your card responsibly to begin building a positive payment history.

Starting credit limit

$500

Secured by a minimum deposit of $625.

Maximum credit limit

$5,000

Secured by a maximum deposit of $6,250.

Build credit history

Reports to all three credit bureaus

Responsible use and on-time payments can help you establish a positive payment history.

Straightforward rates and fees

SBCFCU Visa Gold gives members the flexibility of a major credit card with a fixed rate and no annual fee.

Fixed APR

9.9%-15.5%

Based on creditworthiness.

Annual fee

No annual fee.

Balance transfers

Transfer a balance from another card using the SBCFCU Visa Balance Transfer form.

Applying is simple

Ready to apply for an SBCFCU Visa? Choose the option that works best for you. The application process typically takes about 10-30 minutes.

Download an application

Download and complete the SBCFCU credit card application.

Submit your application

Complete the application and return it to SBCFCU according to the instructions provided by the credit union.

Apply in person

Visit SBCFCU and complete your application with help from the team.

DOWNLOAD APPLICATION

CONTACT/GET DIRECTIONS

Already have an SBCFCU Visa?

Access your credit card account online to view balances and activity, schedule payments, and view previous statements.

MANAGE YOUR CREDIT CARD

Common questions (FAQs)

Find answers to some of the most common questions about SBCFCU credit cards.

As a not-for-profit, member-owned credit union, SBCFCU is focused on providing value to its members. Our Visa offers competitive, non-variable rates, no annual fee, and local support from people right here in Santa Barbara.

Yes, you must be an SBCFCU member to apply for and open a credit card. Once you’re a member, you can apply online, complete a paper application and bring it to the branch, or apply in person with the SBCFCU team. The application process typically takes 10-30 minutes.

No. SBCFCU credit cards have no annual fee.

Your credit limit is determined based on several factors, including your credit history, income, and debt-to-income ratio. Each application is reviewed individually to determine an appropriate credit limit. If you’d like to request a credit limit increase later, increases are handled by reapplying.

You can make credit card payments by logging into SBCFCU’s online banking on your desktop or through our mobile app.

SBCFCU Visa cards have a fixed APR of 9.9%-15.5%, based on creditworthiness. Because the rate is fixed rather than variable, it will not fluctuate with changes to an underlying index.

Yes. You can transfer a balance from another card using the SBCFCU Visa Balance Transfer form.

Yes. You can add an authorized user to your account. Their card will carry your name as the primary cardholder. For a card to be issued in another person’s own name, that person must first be added as a joint owner on your Savings Account.

Yes. Log in to online banking from your phone or desktop to view your balance, transaction history, and past statements anytime.

Yes. SBCFCU offers share-secured credit cards with credit limits ranging from $500 to $5,000. Your security deposit determines your available credit limit.

Call 800-325-3678 as soon as possible to report your lost or stolen card and help protect your account.

Ready for a card that keeps it simple?

Apply for an SBCFCU Visa and get a fixed rate, no annual fee, and local support from a credit union that puts members first.

Not a member yet? You’ll need to establish SBCFCU membership before opening a credit card.

APPLY FOR A CREDIT CARD JOIN SBCFCU