Earn when you spend on travel, dining, and entertainment

This deal won't last forever! Use your card from May 15 through July 15 to earn more.

Use your UCU Rewards Mastercard® or UCU Cash Back Mastercard® on travel, dining, and entertainment purchases!

How you can earn

No need to opt in, we’ll keep track of your qualifying purchases.

Use your UCU Rewards Credit Card for 3X points*

Make purchases within the spend categories of travel, dining, and entertainment to earn.

Apply for a Rewards Credit Card

Use your UCU Cash Back Credit Card for 3% cash back¹

Make purchases within the spend categories of travel, dining, and entertainment to earn.

Apply for a Cash Back Credit Card

Take advantage of this special offer with these qualifying purchases

Earn 3X points or 3% cash back! Plan the trip of a lifetime, treat yourself to that new restaurant you’ve been eyeing, or catch the latest blockbuster! Earn big on your adventures this summer with your UCU Credit Card!

Airlines and auto rentals
Hotels and resorts
Restaurants and bars
Fast food restaurants
Beauty shops
Movie theaters
Bowling and golf
Amusement parks
Sporting events
Concerts and productions
And more!

Don’t have a UCU credit card yet? Apply now to take advantage of this special offer

Earn points or cash back for every dollar you spend on your card. Choose the card that fits your lifestyle!

UCU Rewards Credit Card benefits:

Earn 2 points for every $1 spent with no limit² after the 3X points promo period ends
No annual or foreign transaction fees
Support your university with our Official Partner Cards
Mastercard® ID Theft Protection™ helps protect against potential fraud

UCU Cash Back Credit Card benefits:

3% cash back for the first 6 months, and 1.5% cash back after that³
No annual or foreign transaction fees
No restrictions on how much you can earn
Mastercard® ID Theft Protection™ helps protect against potential fraud

Apply for rewards Apply for cash back

UCU Rewards Credit Card

UCU Cash Back Credit Card

Frequently asked questions

What is this credit card promotion about?

This promotion allows UCU Rewards and Cash Back credit cardholders to earn extra rewards on purchases made in the travel, dining, and entertainment categories between May 15, 2025, and July 15, 2025. Rewards cardholders will earn 3X points, and Cash Back cardholders will earn 3% cash back on these eligible purchases.
When does this promotion start and end?

The promotion begins on May 15, 2025, and ends on July 15, 2025.
Do I need to enroll in this promotion?

No, enrollment is not required. All eligible UCU Rewards and Cash Back credit cardholders will automatically receive the enhanced rewards on qualifying purchases during the promotional period.
Which UCU credit cards are eligible for this promotion?

All UCU Rewards and Cash Back credit cards are eligible, including new cards opened during the promotion period.
How many bonus points can I earn with the UCU Rewards card?

You can earn a maximum of 25,000 bonus points during the promotion. This is in addition to the standard points you earn on purchases.
What is the maximum cash back I can earn with the UCU Cash Back card?

You can earn a maximum of $250 in cash back rewards during the promotion. This is in addition to the standard cash back you earn on purchases.
What types of purchases qualify for the bonus rewards?

Eligible purchases include those made at merchants classified under specific Merchant Category Codes (MCCs) related to airlines, auto rentals, hotels/motels/resorts, transportation, dining (including catering and eating/drinking places), beauty and barber shops, massage parlors, health and beauty spas, motion picture theaters, DVD/video tape rentals, dance halls/studios/schools, theatrical producers and ticket agencies, bands/orchestras/miscellaneous entertainers, billiard/pool establishments, bowling alleys, commercial and pro sports, and various tourist attractions and recreational activities. (Please see the provided list of MCCs for a comprehensive list.)
Can you provide some specific examples of eligible purchases?

Examples include airline tickets, car rentals, hotel stays, restaurant meals, movie tickets, concert tickets, amusement park admissions, and ride-sharing services.
Do purchases made online qualify for the bonus rewards?

Yes, as long as the online merchant uses one of the eligible Merchant Category Codes, the purchase will qualify.
Do gift card purchases qualify for the bonus rewards?

It depends on how the merchant is classified. If the merchant itself falls under an eligible MCC, the purchase may qualify. However, purchases of gift cards at general retailers might not.
Do balance transfers, cash advances, fees, or finance charges qualify for the bonus rewards?

No, balance transfers, cash advances, fees, and finance charges are not considered purchases and therefore do not qualify for bonus points or cash back.
When will the bonus points or cash back be credited to my account?

Bonus points and cash back earned during the promotional period will be posted to your account at the close of the next billing cycle after the purchase is made.
What happens if I return a purchase that earned bonus rewards?

If you return a purchase, the associated bonus points or cash back will be deducted from your account.
Can I track how many bonus points or how much cash back I've earned during the promotion?

You can track your spending and rewards through your digital banking account. Keep an eye on your transactions and the rewards posted to your account.
Who can I contact if I have more questions about this promotion?

Please contact University Credit Union's member service department or visit your local advisory center for further assistance.

*Offer applies to qualifying purchase transactions between May 15, 2025 and July 15, 2025. You will earn 3X point in bonus points for each $1 spent in eligible merchant categories purchases, less returns, with this offer (maximum 25,000 bonus points). University Credit Union will determine eligible purchases based on eligible travel, dining, & entertainment merchant category codes. Cash advances, balance transfers, fees and finance charges do not qualify for bonus points. Offer expires July 15, 2025. Points will be posted to your account at the close of the next billing cycle. Offer expires July 15, 2025.

¹Offer applies to qualifying purchase transactions between May 15, 2025 and July 15, 2025. You will earn 3% cash back for each $1 spent in eligible merchant categories purchases, less returns, with this offer (maximum $250 cash back rewards). University Credit Union will determine eligible purchases based on eligible travel, dining, & entertainment merchant category codes. Cash advances, balance transfers, fees and finance charges do not qualify for bonus rewards. Offer expires July 15, 2025. Cash back will be posted to your account at the close of the next billing cycle. Offer expires July 15, 2025.

²Rewards Credit Card offers a generous 2 points per dollar spent on net new purchases (purchases less any credits, returns, disputed billing items, and adjustments). Cash advances, balance transfers, fees, finance charges, checks, or other transactions that we determine not to be eligible used to access your account will not earn rewards points. Not all members will qualify. There is no limit on the rewards points you can earn each month. Any determination of qualifying transactions and exceptions for rewards points is at the sole discretion of UCU. UCU reserves the right to verify and adjust rewards points at any time prior to or following point posting and redemption. Points are not earned until they appear on the billing statement. If the Rewards Credit Card account is closed, all points not redeemed will be lost. Rewards points are not transferable. UCU may change or terminate the Rewards Program at the credit union's discretion at any time, with or without prior notice except where required by law.

³Cash Back Credit Cards in good standing will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns and adjustments). Cash advances and balance transfers will not earn rewards. Cash back rewards will be deposited to the member's primary checking account on the first of the month. A checking account and enrollment in eStatements are required to qualify for cash back rewards. If the monthly amount of cash back earned is negative, the negative amount will carry over and be deducted from future cash back rewards. The 3% cash back promotional offer is available on new credit card loans only. Members will earn 3% cash back on all net purchases made within the first 6 months of opening a Cash Back Credit Card or until a total of $10,000 in combined purchases is reached, whichever occurs first. After the promotional offer expires, all net purchases will earn 1.5% cash back. There is no maximum amount of cash back rewards that can be earned on net purchases at the standard rate.