Unlimited Cash Back Earning Potential

green checkmark Up to 3% Cash Back

For the first 6 months, earn 3% cash back and 1.5% after that.

green checkmark Unlimited Cash Back

There are no restrictions on how much you can earn from your purchases.

green checkmark No Annual Fee

No annual fees or foreign transaction fees.

green checkmark Accepted Worldwide

Use your card at any retailer that accepts Mastercard® no matter where your travels may take you.

 

Cash Back Credit Card Rates

 

Rate as of:

CARD TYPE RATE TYPE APR1 AS LOW AS ANNUAL FEE BEST FOR
Cash Back Credit Card Variable 12.47% $0 Individuals who want to earn unlimited cash back on purchases they already make.
CARD TYPE RATE TYPE APR* AS LOW AS
Cash Back Credit Card Variable 12.47%
ANNUAL FEE BEST FOR
$0 Individuals who want to earn cash back on purchases they already make.

 

Get Started

 

We Make Redeeming Your Cash Rewards Easy

With a UCU Cash Back Credit Card, your rewards are automatically deposited into your checking account each month and ready for you to use. It’s that simple, no forms to fill out or extra steps for you to take.

 

Other UCU Credit Cards

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Rewards Credit Card

Unlimited Rewards for travel and merchandise.


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University Credit Card

Unlimited earning potential for everything life has in store.


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Share Secured Card

Get started building or rebuilding your credit history today.


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Official Partner Cards

Earn rewards points and show your university pride.


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Where to begin?! University Credit Union has been the best option for my first car loan. From the moment my loan specialist contacted me after submitting my loan application, it was smooth sailing. If you’re searching for a place to get a loan from, you should search no further; I’m forever thankful!

★★★★★
-- Michelle S.

This year has been one for the books! It hasn’t been easy shifting from campus life to now working from home. However, UCU has still maintained their core values. Exceptional customer service at the main branch! Thank you for keeping us safe. Kudos to all the staff who worked for us during the pandemic! I will continue to recommend UCU to all of my colleagues. Exceptional job everyone.

★★★★★
-- Dana S.

I appreciate their patience with me, listening to my needs and instantly resolving my concerns and answering my questions. I appreciate a human person with sentiment to offer personal professional attention a loyal relationship deserves especially when it comes to our finances. Thank you all for being there for me. I value our relationship and your commitment to your clients.

★★★★★
-- Nia T.

 

Earn 5.00% APY2

Having both a Cash Back Credit Card and a University Checking Account helps you earn up to 5.00% APY for the banking you already do!