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- Doug Schmidt
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Rewards Credit Cards
You're already spending, so why not earn
CASH BACK Rewards Points
every time you use your
CFCU Rewards or Rewards Elite Credit Card
Credit Card Options
CFCU Rewards
- Earn Rewards Points
- 1 point for every $1 spent
- Use your points to redeem CASH BACK
- UChoose Rewards
- No annual fee
- Credit Limit $500 - $25,000
CFCU Rewards Elite
- Earn Rewards Points
- 2 points for every $1 spent
- Use your points to redeem CASH BACK
- UChoose Rewards
- Higher credit limit
- Lowest interest rate
- Low $50 annual fee
- Credit Limit $10,000 - $50,000
Classic and Secured
- Can help you build or rebuild credit
- Low $15 annual fee that is waived if a member maintains a Direct Deposit in a CFCU account or has a CFCU Mortgage
- Credit Limit $500 - $5,000
- Secured Cards have a fixed rate
Credit Card Features
- Access to Digital Banking
- Digital Wallet capabilities (Apply and Google Pay)
- MasterCard Guide to Benefits
- Avoid interest charges by paying your full statement balance on or before your due date each month
- Instant issue at banches
Rates
| Annual Percentage Rate (APR) for Purchases | APR for Balance Transfers | APR for Cash Advances | Penalty APR and When it Applies | Minimum Interest Charge | Alert Me | |
|---|---|---|---|---|---|---|
| Rewards | 12.99% - 18.99%1 | 12.99% - 18.99%1 | 12.99% - 18.99%1 | None | None | Receive a notification when this rate changes |
| Rewards Elite | 11.49% - 17.49% | 11.49% - 17.49% | 11.49% - 17.49% | None | None | Receive a notification when this rate changes |
| Classic | 13.90% - 19.00%1 | 13.90% - 19.00%1 | 13.90% - 19.00%1 | None | None | Receive a notification when this rate changes |
| Secured | 17.00% | 17.00% | 17.00% | None | None | Receive a notification when this rate changes |
|
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Helpful Info
View and Redeem Rewards Points
Pay Your Credit Card or Set Up Autopay
Want to increase your credit limit?
- Click here to apply for an increase
- Choose the credit card type you currently have that you want to increase the limit on
- Under “Loan Purpose”, choose “Credit Increase”
Click on the image below for MasterCard's Guide to Benefits
FAQs
-
Can I use my debit and credit cards overseas?
Yes, you can use your debit and credit cards overseas. However, you must place a travel note on your account.
-
Can a balance transfer give me points?
Points are accumulated by purchases only.
-
Are there help resources online for UChoose Rewards?
Yes, through the UChoose site, there is live chat, a Contact Us email submission form, and a nice FAQ.
-
If the primary card holder activates the card rewards and the joint card holder does not, do both card holders accumulate points as they spend?
Yes!
-
Do my points expire?
Points expire 3 years after you earn them. There is a warning for expired points on the site when you get within 60 days of expiration.
-
When redeeming points, can I have the item sent somewhere besides the address CFCU has?
Yes – you will have the opportunity to change the address for your redemptions as long as the address is located in the United States.
-
What happens to my points if my card is lost or stolen?
If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register your new card within UChoose.
-
Do my rewards points show up immediately?
It can take up to 60 days for your points to be credited to your account.