SAFE Cash Back+ Visa Signature®
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. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
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 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.
| 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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 66% 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- 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, and what's the welcome bonus?
The SAFE Cash Back+ Visa Signature has an annual fee of $0 and a foreign transaction fee of $1. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Booking.comIncluded with Visa Signature®
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.
- Cardholder Protection
Remarkable cardholder protection, like Event Ticket Protection, Porch Piracy Protection, and Extended Warranty Protection, covers you when you need it most.
- Concierge Service
Complimentary, 24-hour service assists you with booking travel, finding event tickets, making dinner reservations, and more.
- Dovly Uplift
Designed to help you (re)build, monitor, and protect your credit.
- Dovly Uplift™Included with Visa Signature®
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.
- Extended Warranty Protection
Helps you manage, use, and extend the warranties for eligible items purchased on your Essential Visa® Credit Card.
- Global Entry Statement CreditIncluded with Visa Signature®
Apply 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.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy 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.
Common questions about the SAFE Cash Back+ Visa Signature
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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). 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 |
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