VISA^® Platinum

VISA^® Platinum Rewards Card
Enjoy exclusive benefits with a Visa Platinum Rewards card. Receive a 1% cash back reward¹ on your purchases, earn up to $500 annually, and obtain a credit line up to $30,000² at a variable interest rate³.

VISA^® Platinum Rewards Credit Card benefits include:

• No annual fee
• 1% cash rewards on purchases
• Earn up to $500 annually
• Credit limit up to $30,000²
• Variable interest based on the Prime Rate³
• Annual cash rewards paid automatically
• 25 day interest-free grace period
• Low minimum monthly payments
• Convenient VISA^® checks
• Overdraft protection available for your checking accounts*;
• $500,000 Travel Accident Insurance Protection at no additional cost
• Auto Rental Insurance with worldwide protection at no additional cost
• Extended warranty protection on purchases
•  Emergency cash advances and card replacement
• No markup on international transaction fees³

Plus, worldwide travel and emergency assistance, 24 hours a day, 7 days a week.

• Emergency ticket replacement, translation services, transportation assistance and message service
• Medical and legal referral assistance
• Lost luggage locator service
• Prescription assistance
• Delivery arrangements for valuable documents
• Pre-trip assistance including ATM locations, exchange rates and more!

For emergency travel assistance for VISA^® Platinum & Gold Credit Cardholders, call (800) 847-2911
(inside U.S.) or (410) 581-9994 (outside U.S.).

Get your San Francisco Federal Credit Union VISA^® Platinum Rewards credit card today.
Find Rewards Terms and Conditions here.

Cardholder Resources

ACCESS
• Access your credit line through Online Banking. Log in here.
• Access your account by phone via ExpressLine at (415) 775-0171.
• Withdraw cash at ATMs worldwide displaying the VISA^® logo. Find an ATM.
• Request a cash advance at any financial institution displaying the VISA^® logo.
• Discover valuable discounts when you use your VISA^® Learn more.
• View new credit card disclosure here.

SECURITY
• Report a lost or stolen credit card here.
• Protect yourself when traveling. Learn more.
• Protect yourself from fraud and identity theft. Learn more.
• Help safeguard your loan with MEMBER'S CHOICE™ Borrower Security.
• Secure your online purchases with Verified by Visa^®: Register your credit card today.

¹ San Francisco Federal Credit Union VISA^® Platinum Rewards Terms and Conditions: Rewards (also known as "rebates") are earned by making purchases with your San Francisco Federal Credit Union Visa^® Platinum Rewards Credit Card. You can earn a reward of one percent (1%) on purchases at locations throughout the world that accept Visa^®. You may earn up to $500 per year. All rewards earned will be reflected in your quarterly billing statement and will be automatically and annually redeemed every May 31st by applying the rewards as a deposit to your Regular Share Account. Your rewards will not expire. Purchases returned for credit do not earn a reward, and your balance will be adjusted in the event that the purchase is returned or a credit adjustment is otherwise issued. Your account must remain open and not be in default under any card agreement in order to earn and redeem rewards. Rewards are not earned on cash advances, balance transfers, fees, loan balances or finance charges. All rewards that have been accumulated, but have not yet been paid, will expire upon termination of your San Francisco Federal Credit Union Visa^® Platinum account, whether terminated by you or us. San Francisco Federal Credit Union reserves the right to cancel, terminate or otherwise change the terms of the San Francisco FCU Visa^® Platinum Credit Card Rewards Program at any time. We reserve the right to interpret and apply the policies and procedures relating to the Visa^® Platinum Rewards Program. All such determinations by us shall be final and conclusive in each case. We may take appropriate administrative or legal action, including the cancellation of your account, in the event of any fraud or abuse in connection with the San Francisco FCU Visa^® Platinum Rewards Program. We are not responsible for reward-related disputes between joint account holders and/or between account holders and authorized users.

² Subject to credit approval.

³ Interest rate varies based on creditworthiness and Prime Rate. View our current rates. San Francisco FCU passes the 1% multi-currency or .80% single-currency fee imposed by VISA International onto you at cost. 1% cash advance fee. 1% balance transfer fee.

* All advances to cover checking account overdrafts are considered a cash advance and are subject to cash advance fees. Click here for credit card fees.

**APR = Annual Percentage Rate. Variable APRs 5.15% to 11.15% as of 6/1/09. APRs subject to change. Membership required to obtain credit. Individuals who live, work, worship or attend school in San Francisco can apply to join San Francisco FCU. All credit subject to approval. APRs offered depend on factors such as credit history. Approved applicants will be told their APR and any variable rate formula in writing before they become obligated. VISA® may charge a 1% fee for transactions initiated in foreign countries, passed on to cardholder at cost. 1% cash advance fee. All San Francisco FCU credit cards require content to recovery of delinquent balances from Credit Union shares.