The 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 $99. The ongoing APR is 16.24%, 17.24%, 18.24%, 19.24% or 22.24% variable when you open your account, based on creditworthiness (rates effective October 14, 2026) after a No introductory APR introductory rate. Signup bonus: 10,000 bonus points when you spend $3,000 on net purchases within the first 90 days after enrollment.