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Personal Borrow Money Credit Cards

SAFE Cash Rewards Visa Signature® Credit Card

Earn unlimited cash back on purchases*

5% cash back on one revolving bonus category of your choice + 3% when you dine at restaurants, or buy groceries or gas + 1% on all other purchases. See our bonus categories!


Redeem, your way

Redeem as little as $10, either as a one-time or automatic redemption, and apply those rewards to your card balance, deposit them into your SAFE account, or donate them to charity – you decide!


Experience more of life with Visa Signature®

When your card says Visa Signature®, you'll enjoy access to unique opportunities and exclusive benefits year-round—adding value, class, and convenience to your life. See additional benefits.


Increase your flexibility

Lock in a credit line up to $35,000 with a 25-day grace period on new purchases.


Free yourself from fees

This card features no annual fee and no balance transfer fee. Plus, you can skip the cash advance fee if the advance is taken at any SAFE ATM, or via CALL-24 Phone Banking or SAFE Online Banking.


Gain peace of mind

You're protected from unauthorized transactions with zero liability. Refer to your agreements for rights and responsibilities. Plus, take advantage of complimentary Travel Accident Insurance and Warranty Manager Service.

Visa Signature Benefits Await

Visa Signature® Benefits Await

Sonoma Wine Country
Sonoma Wine Country
Over 50 select Sonoma County wineries offer you complimentary wine tastings and other savings on wine and food experiences.1
Troon Golf Properties
Troon Golf Properties
Troon Rewards® Program connects you to premier loyalty rewards and discounts at over 90 golf courses. Earn free rounds of golf, discounts on golf fees, and more. The more you play, the more you earn!2
Concierge Service
Concierge Service
Complimentary, 24-hour service assists you with booking travel, finding event tickets, making dinner reservations, and more.
Cardholder Protection
Cardholder Protection
Remarkable cardholder protection, like Event Ticket Protection, Porch Piracy Protection, and Extended Warranty Protection, covers you when you need it most.
Trip Cancellation and Interruption Insurance
Trip Cancellation and Interruption Insurance
Life happens and with it, unforeseen circumstances that could disrupt your travel plans. Fortunately, these benefits are in place to help you when the unexpected arises.
Luxury Hotels
Luxury Hotels
More than 900 Visa Signature luxury resorts, exclusive boutiques, and private retreats worldwide welcome you with special guest status.

5% Cash Back
Bonus Categories

January - March, 2023

Wholesale Clubs
  • Gyms & Health Clubs
  • Wholesale Clubs
  • Tax Prep Services
  • Clothing Stores
  • Utilities
  • Charities

April - June, 2023

Sporting Goods Stores
  • Home Improvement
    (ex: Home Depot, Lowe's)
  • Outdoor Recreation
    (ex: REI, Bass Pro Shop)
  • Wholesale Clubs
    (ex: Costco, Sam's Club)
  • Travel
    (ex:, Google Flights)

July - September, 2023

Utility Companies
  • Amazon**
  • Home Improvement Stores
  • Utility Companies
  • Travel
    (ex:, Google Flights)

October - December, 2023

  • Amazon**
  • Discount Stores
    (ex: Walmart, Target)
  • Travel
    (ex: Orbitz, Expedia)
  • Utilities
Visa Signature Testimonials

Meet our Happy Cardholders


Welcome to a new way to pay

Digital wallets

Tips to quickly earn cash rewards

Tips to quickly earn cash back

Connect all the things you love in life to your cash rewards credit card to maximize your cash back. Use our personalized to-do list to help.

Get Started

1 Certain restrictions and limitations apply. Benefits vary at select Sonoma County wineries and are subject to change at any time.
2 Visa Signature® Credit cardholders are entitled to receive complimentary Silver Status in the Troon Rewards® program. Existing Troon Rewards members will be upgraded to the next membership level. Members must remain active in the Troon Rewards Program to retain the Points they accumulate.

** purchases exclude subscription and subsidiary services including but not limited to: Amazon Prime Membership Renewal, Amazon Music & Video, Audible, Amazon Pantry, Kindle, Twitch, or Whole Foods.

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