SDCCU Visa Signature
San Diego County 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 San Diego County 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 SDCCU Visa Signature from San Diego County Credit Union earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $89. New applicants may see: Earn a one-time 10,000-point bonus when you spend $3,000 on net purchases within the first 90 days after enrollment.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $89
Best for dining-heavy spend when the $89 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
What does the SDCCU Visa Signature earn in each category?
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how SDCCU Visa Signature compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how SDCCU Visa Signature compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 2x points | 2% |
Madeen values SDCCU Signature Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the SDCCU Visa Signature?
The SDCCU Visa Signature fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
SDCCU Visa Signature fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 59% 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 2x points. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $89 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $89 annual fee requires enough spend in bonus categories to offset.
- SDCCU Signature Rewards value depends on how you redeem, not straight cash back.
What is the SDCCU Visa Signature welcome bonus?
In Madeen's catalog snapshot, the SDCCU Visa Signature welcome offer is Earn a one-time 10,000-point bonus when you spend $3,000 on net purchases within the first 90 days after enrollment. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 10k SDCCU Signature Rewards (~$100 estimated)
- Terms (catalog snapshot)
- Earn a one-time 10,000-point bonus when you spend $3,000 on net purchases within the first 90 days after enrollment First-year annual fee waived.
- Minimum spend
- $3,000
- Window
- 90Days
Does the SDCCU Visa Signature have an annual fee?
The SDCCU Visa Signature has an annual fee of $89 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $89
- Foreign transaction fee
- None
What benefits come with the SDCCU Visa Signature?
The SDCCU Visa Signature includes Booking.com, Dovly Uplift™, Global Entry Statement Credit in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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.
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.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Universal Destinations & Experiences
$10/yrGet exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Visa Signature Luxury Hotel Collection
$10/yrEnjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Visa Signature Rental Car Privileges
$10/yrBook your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Related encyclopedia topics
- Visa
- Shopping and dining network perks
- Credit score monitoring
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
- Dining credit
- Priority Pass lounge access
- Roadside Dispatch
- Streaming or digital credit
- Stay connected in over 175 countries
- Travel and Emergency Assistance Services
- Universal Destinations & Experiences
Common questions about the SDCCU Visa Signature
Does the SDCCU Visa Signature have an annual fee?
The SDCCU Visa Signature carries an annual fee of $89 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 SDCCU Visa Signature?
Dining is the strongest Madeen category for the SDCCU Visa Signature at about 2% 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 SDCCU Visa Signature charge foreign transaction fees?
The SDCCU Visa Signature does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the SDCCU Visa Signature welcome bonus?
The SDCCU Visa Signature welcome offer in our snapshot: Earn a one-time 10,000-point bonus when you spend $3,000 on net purchases within the first 90 days after enrollment. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the SDCCU Visa Signature annual fee worth it?
Whether the $89 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the SDCCU Visa Signature?
Madeen's catalog lists a typical credit range of Good to Excellent for the SDCCU Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the SDCCU Visa Signature compare to similar cards?
Compare the SDCCU Visa Signature against SDCCU Cash Rewards Visa Platinum (1% on Dining, $0 fee); SDCCU Visa Platinum with Fly Miles Plus (1% on Dining, $35 fee); SDCCU Visa Platinum (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 |
|---|---|---|---|
SDCCU Visa Signature This card | Dining | 2% | $89 |
San Diego County Credit Union | Dining | 1% | $0 |
San Diego County Credit Union | Dining | 1% | $35 |
San Diego County Credit Union | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
San Diego County 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 San Diego County 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