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Woman on couch shopping online with her SESLOC Visa credit card

Choose Your SESLOC Visa Credit Card

Credit Cards

Woman on couch shopping online with her SESLOC Visa credit card

Credit Cards

Whether you need access to shopping power or want to make affordable balance transfers, we have options for you. Choose your card:

Visa Signature® Rewards card 1

Earn points today for an upgraded tomorrow.

  • Earn 1.5 reward points for $1 spent on purchases 2, redeemable at
  • Combine reward points earned with HomeFREE Checking debit card points under one account
  • No foreign transaction fee
  • Access to Visa Signature card benefits 3
  • Perfect for traveling and large or frequent purchases
SESLOC Visa credit cards

Visa® Credit Card 4

Our classic, fixed-rate card. Always affordable. Basically essential. 

  • Low, fixed rate
  • No penalty rates
  • Free balance transfers
  • Perfect for building credit or transferring balances from high rate cards
1. Please see the he Visa Signature® Rewards credit card rates and fees in the Application and Solicitation Disclosure. Minimum credit limit is $5,000.00.
2. Please see the SESLOC Rewards Terms and Conditions.
3. Certain terms, conditions and exclusions apply. See a summary of Visa Signature® card benefits, and view the complete benefits guide.
4. All loans subject to credit union approval. Read the details of the Visa Terms and Conditions.

Free Balance Transfers

Already have a SESLOC Visa Credit Card?

Ditch your high rate credit card(s) and transfer the balance. You could save on interest, making your monthly budget go a little further. Plus, enjoy freedom from penalty or variable rate increases. 

Submit a request quickly and securely using DocuSign, or download a printable PDF.

SESLOC California field of membership

SESLOC members are eligible to apply for loans. You are eligible for SESLOC Membership if you live, work or go to school in San Luis Obispo and Northern Santa Barbara counties in California. ITINs and Matrícula Consular ID cards are accepted. If you are not a member yet, you may start the loan application and then if eligible, we'll help you join.

Learn more about SESLOC Membership »

Credit Card Tips

From the News+ Blog

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While owners of vulnerable transaction terminals try to secure their devices, and law enforcement continues to shut down these criminal enterprises, you can also play a part in stopping card fraud and identity theft. Follow these steps to detect when a card terminal may be at risk, and if you see something, say something!

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Cash or Card?

Cash or Card?

Which do you prefer to use at checkout, cash or card? Here are some benefits of using your debit or credit card instead:

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