SAFE Cash Back Visa®
Safe Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Safe Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The SAFE Cash Back Visa® from Safe Credit Union earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back.
What does the SAFE Cash Back Visa earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how SAFE Cash Back Visa compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x among the top.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how SAFE Cash Back Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 3% back | 3% |
| Gas Gas stations and fuel | 3% back | 3% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the SAFE Cash Back Visa reward caps and conditions?
The SAFE Cash Back Visa has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 3% when you dine at restaurants
- 3% when you buy gas
- 3% when you buy groceries
Who should get the SAFE Cash Back Visa?
The SAFE Cash Back Visa fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back.
SAFE Cash Back Visa fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3% back.
Foreign transaction fees make it weaker for international spend.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $1 foreign transaction fees.
- Multiple caps, activations, or exclusions may limit headline earn rates.
Does the SAFE Cash Back Visa have an annual fee?
The SAFE Cash Back Visa has an annual fee of $0 and a foreign transaction fee of $1. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $1
What benefits come with the SAFE Cash Back Visa?
The SAFE Cash Back Visa includes Booking.com, Dovly Uplift, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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$10,000/yrHelps you manage, use, and extend the warranties for eligible items purchased on your Essential Visa® Credit Card.
Roadside Dispatch
$1,000/yrA pay-per-use roadside assistance program. The program provides you with security and convenience wherever your travels take you. No membership or pre-enrollment is required. No annual dues. No limit on usage.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Dovly Uplift
$10/yrDesigned to help you (re)build, monitor, and protect your credit.
Shipt
From groceries to household essentials, you can get it all delivered same-day.
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Dovly Uplift™
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Related encyclopedia topics
Common questions about the SAFE Cash Back Visa
Where do cardholders spend most with the SAFE Cash Back Visa?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), groceries (3x) for the SAFE Cash Back Visa. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the SAFE Cash Back Visa have an annual fee?
The SAFE Cash Back Visa carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the SAFE Cash Back Visa?
Dining is the strongest Madeen category for the SAFE Cash Back Visa at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the SAFE Cash Back Visa charge foreign transaction fees?
The SAFE Cash Back Visa charges a foreign transaction fee of $1 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the SAFE Cash Back Visa?
Madeen's catalog lists a typical credit range of Good to Excellent for the SAFE Cash Back Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the SAFE Cash Back Visa?
Rewards on the SAFE Cash Back Visa post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the SAFE Cash Back Visa compare to similar cards?
Compare the SAFE Cash Back Visa against SAFE Cash Back+ Visa Signature (3% on Dining, $0 fee); SAFE Cash Rewards Visa Signature (3% on Dining, $0 fee); SAFE Essential Visa (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
SAFE Cash Back Visa This card | Dining | 3% | $0 |
Safe Credit Union | Dining | 3% | $0 |
Safe Credit Union | Dining | 3% | $0 |
Safe Credit Union | Dining | 0% | $0 |
Safe Credit Union | Dining | 0% | $0 |
Where this card ranks
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Safe Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Safe Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure