SAFE Cash Back+ Visa Signature®
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 Signature® 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 Signature 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 Signature compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x among the.
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 Signature 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 Signature reward caps and conditions?
The SAFE Cash Back+ Visa Signature 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 Signature?
The SAFE Cash Back+ Visa Signature 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 Signature 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 Signature have an annual fee?
The SAFE Cash Back+ Visa Signature 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 Signature?
The SAFE Cash Back+ Visa Signature includes Booking.com, Cardholder Protection, Concierge Service in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty Protection
$10,000/yrHelps you manage, use, and extend the warranties for eligible items purchased on your Essential Visa® Credit Card.
Trip Cancellation and Interruption Insurance
$10,000/yrLife happens and with it, unforeseen circumstances that could disrupt your travel plans. Fortunately, these benefits are in place to help you when the unexpected arises.
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.
Concierge Service
$150/yrComplimentary, 24-hour service assists you with booking travel, finding event tickets, making dinner reservations, and more.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Cardholder Protection
$25/yrRemarkable cardholder protection, like Event Ticket Protection, Porch Piracy Protection, and Extended Warranty Protection, covers you when you need it most.
Dovly Uplift
$10/yrDesigned to help you (re)build, monitor, and protect your credit.
Related encyclopedia topics
Common questions about the SAFE Cash Back+ Visa Signature
Where do cardholders spend most with the SAFE Cash Back+ Visa Signature?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), groceries (3x) for the SAFE Cash Back+ Visa Signature. 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 Signature have an annual fee?
The SAFE Cash Back+ Visa Signature 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 Signature?
Dining is the strongest Madeen category for the SAFE Cash Back+ Visa Signature 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 Signature charge foreign transaction fees?
The SAFE Cash Back+ Visa Signature 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 Signature?
Madeen's catalog lists a typical credit range of Good to Excellent for the SAFE Cash Back+ Visa Signature. 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 Signature?
Rewards on the SAFE Cash Back+ Visa Signature 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 Signature compare to similar cards?
Compare the SAFE Cash Back+ Visa Signature against SAFE Cash Back Visa (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 Signature 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
Related Madeen guides
Related cards
See how this card ranks in your wallet
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