Visa Platinum with Fly Miles Plus — San Diego County Credit Union is a personal credit card from San Diego County Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0 first year, then $35; waived when total annual purchases exceed $6,000. The ongoing APR is 14.24% to 20.24% variable, based on creditworthiness. Signup bonus: 1,000 bonus points when enrolled in the optional Fly Miles Plus Reward Program. Rewards: Fly Miles Plus points: earn an additional 1,000 bonus points if enrolled; up to 120,000 points in one year per enrolled card.