SAFE Smart 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 Smart Visa® from Safe Credit Union earns up to 0% effective value on dining in Madeen's catalog snapshot. Its annual fee is $15.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $15
Best for dining-heavy spend when the $15 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the SAFE Smart Visa earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how SAFE Smart Visa compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how SAFE Smart Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the SAFE Smart Visa?
The SAFE Smart Visa fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
SAFE Smart Visa fits spenders who put meaningful volume in dining and can earn 0x points. 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 0x points.
Less compelling if the $15 annual fee is hard to offset. Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $15 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- Rewards post as points; compare redemption paths before assuming cash-equivalent value.
Cons
- $15 annual fee requires enough spend in bonus categories to offset.
- Charges $1 foreign transaction fees.
- points value depends on how you redeem, not straight cash back.
Does the SAFE Smart Visa have an annual fee?
The SAFE Smart Visa has an annual fee of $15 and a foreign transaction fee of $1. Confirm current fees on the issuer page before applying.
- Annual fee
- $15
- Foreign transaction fee
- $1
What benefits come with the SAFE Smart Visa?
The SAFE Smart Visa includes Dovly Uplift, Extended Warranty Protection, Roadside Dispatch 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.
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.
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.
Related encyclopedia topics
Common questions about the SAFE Smart Visa
Does the SAFE Smart Visa have an annual fee?
The SAFE Smart Visa carries an annual fee of $15 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 Smart Visa?
Dining is the strongest Madeen category for the SAFE Smart Visa at about 0% 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 Smart Visa charge foreign transaction fees?
The SAFE Smart 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.
Is the SAFE Smart Visa annual fee worth it?
Whether the $15 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 SAFE Smart Visa?
Madeen's catalog lists a typical credit range of No Credit History / Rebuilding for the SAFE Smart Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the SAFE Smart Visa?
Rewards on the SAFE Smart Visa post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the SAFE Smart Visa compare to similar cards?
Compare the SAFE Smart Visa against SAFE Cash Back Visa (3% on Dining, $0 fee); SAFE Cash Back+ Visa Signature (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 Smart Visa This card | Dining | 0% | $15 |
Safe Credit Union | Dining | 3% | $0 |
Safe Credit Union | Dining | 3% | $0 |
Safe Credit Union | Dining | 3% | $0 |
Safe 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.
Related Madeen guides
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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