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University Cash Back Credit Card

University Cash Back Credit Card

Earn up to 3% cash back* on all purchases for the first 6 months, and 1.5% after that!
Unlimited cash back earning potential

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!

With a UCU Cash Back Credit Card, your rewards are automatically deposited into your primary 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.

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.
Earn up to 5.00% APY2

Earn up to 5.00% APY2

Having both a UCU Cash Back Credit Card and a University Checking Account helps you earn up to 5.00% APY for the banking you already do!
Learn more about Earn up to 5.00% APY<sup>2</sup>

Frequently asked questions

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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.

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    Giving our University Communities a financial advantage
    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. 

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