
University Cash Back Credit Card

Unlimited cash back earning potential
- 3% cash back for the first 6 months, and 1.5% cash back after that
- No annual or foreign transaction fees
- No restrictions on how much you can earn
- Use world-wide at retailers who accept Mastercard®
We make redeeming your cash rewards easy!
Cash Back Credit Card Rates
Rate type | APR1 as low as | Annual fee | Best for |
---|---|---|---|
Variable | 16.99% | $0 | Individuals who want to earn unlimited cash back on purchases they already make. |
Frequently asked questions
- How does a cash back credit card from University Credit Union work? Click On How does a cash back credit card from University Credit Union work? The UCU Cash Back Credit Card lets you earn cash back on everything you buy. Just use it at any retailer who accepts Mastercard® and you can earn 3% for the first six months that you have the card and 1.5% thereafter. Looking for a different type of incentive? Check out the UCU Rewards Credit Card.
- Should I pay my UCU Cash Back Credit Card off in full every month, or carry a balance? Click On Should I pay my UCU Cash Back Credit Card off in full every month, or carry a balance? At University Credit Union, we believe in fostering a healthy sense of financial responsibility, which could include paying off your bill in full every month. Of course, sometimes you need to make a big purchase, or you have a tight month, so we offer highly competitive credit card rates to keep you on the road to financial success.
- Will using a cash back credit card from University Credit Union affect my credit? Click On Will using a cash back credit card from University Credit Union affect my credit? Using your UCU Cash Back Credit Card can and will affect your credit. You get to decide what that effect will be. For a positive effect, don’t max out your card and make your payments regularly and on time. You can track how your credit score is doing using our Credit Journey tool.
- How do I receive my cash back from University Credit Union? Click On How do I receive my cash back from University Credit Union? Every month, we’ll calculate your cash back and deposit it automatically into your primary UCU checking account, so you’ll have access to your UCU Cash Back Credit Card earnings right away.
- How do I get a cash back credit card from University Credit Union? Click On How do I get a cash back credit card from University Credit Union? Getting your UCU Cash Back Credit Card is easy. You can apply for any UCU credit card online and we’ll get you an approval answer quickly.
Resources from University Credit Union
Virtual assistant
Security
Blogs
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, The Big West Universities, Western Athletic Conference Universities, Southland Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
*Cash 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.
1APR = Annual Percentage Rate
2APY = Annual Percentage Yield. To earn up to 5.00% APY, member must have a qualifying University Checking Account. Based on a combined rate of 4.88%. Credit card must be active, have at least one monthly transaction (excludes balance transfers and cash advances), and be enrolled in credit card eStatements to qualify for the extra 1.00% APY in dividends. Account does not earn dividends if there is a $0 balance in a HELOC at the end of the month. All accounts must be in good standing with no delinquency or bankruptcy pending. Multiple loans in the same category count for only 1.00% APY in dividends.
Qualifying University Checking Accounts will earn 1.00% APY in dividends on balances up to $25,000. Balances above $25,000 will be paid at the regular checking rate. Qualifying University Checking Accounts are defined as having at least 25 transactions per month (includes transactions made with both debit and credit cards) and enrollment in eStatements. If the requirements are not met, then no dividend is earned. Secondary University Checking Accounts not eligible to earn APY. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account at the end of each day. Dividends are disbursed monthly into the active University Checking Account. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account. Rate subject to change after account opening and may vary based on qualifications met at month end. Not valid with any other offers. To establish a UCU Membership, you must deposit at least $5 to a Regular (Share) Savings Account. A $50 minimum deposit is required to open a University Checking Account. All accounts are subject to approval. Contact UCU for complete details. Federally insured by NCUA.