SDCCU Visa Platinum with Fly Miles Plus
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 Platinum with Fly Miles Plus from San Diego County Credit Union earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $35.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $35
Best for dining-heavy spend when the $35 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1x miles.
What does the SDCCU Visa Platinum with Fly Miles Plus earn in each category?
Dining is the strongest category at 1% effective value (1x miles at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how SDCCU Visa Platinum with Fly Miles Plus compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1x miles at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how SDCCU Visa Platinum with Fly Miles Plus compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1% |
| Gas Gas stations and fuel | 1x miles | 1% |
| Travel Flights, hotels, transit | 1x miles | 1% |
| Other General everyday spend | 1x miles | 1% |
Madeen values SDCCU Fly Miles Plus 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 Platinum with Fly Miles Plus?
The SDCCU Visa Platinum with Fly Miles Plus fits spenders who put meaningful volume in dining and can earn 1x miles. Best for spenders who put meaningful volume in dining and can earn 1x miles.
SDCCU Visa Platinum with Fly Miles Plus fits spenders who put meaningful volume in dining and can earn 1x miles. Madeen ranks its dining effective rate higher than about 2% 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 1x miles.
Less compelling if the $35 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $35 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (1x miles).
- No foreign transaction fee listed.
Cons
- $35 annual fee requires enough spend in bonus categories to offset.
- SDCCU Fly Miles Plus Rewards value depends on how you redeem, not straight cash back.
Does the SDCCU Visa Platinum with Fly Miles Plus have an annual fee?
The SDCCU Visa Platinum with Fly Miles Plus has an annual fee of $35 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $35
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the SDCCU Visa Platinum with Fly Miles Plus
Does the SDCCU Visa Platinum with Fly Miles Plus have an annual fee?
The SDCCU Visa Platinum with Fly Miles Plus carries an annual fee of $35 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 Platinum with Fly Miles Plus?
Dining is the strongest Madeen category for the SDCCU Visa Platinum with Fly Miles Plus at about 1% 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 Platinum with Fly Miles Plus charge foreign transaction fees?
The SDCCU Visa Platinum with Fly Miles Plus 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.
Is the SDCCU Visa Platinum with Fly Miles Plus annual fee worth it?
Whether the $35 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 Platinum with Fly Miles Plus?
Madeen's catalog lists a typical credit range of Good to Excellent for the SDCCU Visa Platinum with Fly Miles Plus. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the SDCCU Visa Platinum with Fly Miles Plus?
Rewards on the SDCCU Visa Platinum with Fly Miles Plus post as SDCCU Fly Miles Plus Rewards. Redemption value depends on how you use SDCCU Fly Miles Plus Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the SDCCU Visa Platinum with Fly Miles Plus compare to similar cards?
Compare the SDCCU Visa Platinum with Fly Miles Plus against SDCCU Visa Signature (2% on Dining, $89 fee); SDCCU Cash Rewards Visa Platinum (1% on Dining, $0 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 Platinum with Fly Miles Plus This card | Dining | 1% | $35 |
San Diego County Credit Union | Dining | 2% | $89 |
San Diego County Credit Union | Dining | 1% | $0 |
San Diego County Credit Union | Dining | 0% | $0 |
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.
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