Cash Rewards
Credit Card
You Belong Where Banking is Better.
At your local Credit Union, you’ll find lower rates, fewer fees (and no fees when possible), greater rewards and more innovative products and services than other financial institutions. Plus, once you join BCU, your family members are eligible too.
Earn unlimited 1.5% cash back on all purchases.*
Plus, 0% Intro APR on Purchases and Balance Transfers for 12 months2!
Unlimited Cash Rewards
Earn unlimited 1.5% cash back on every purchase with no rebate tiers or revolving purchase categories.
$200 Cash Bonus
After $1,000 in Spend During First 90 Days1.
Low Rate
Save with 0% introductory APR on purchases and balance transfers for 12 months2. After that, Check Current Pricing & Terms variable APR3.
No Annual Fee
Simple and hassle-free to help you keep more of your own money.
Redeem Your Way
Enjoy on-demand cash reward redemption** right into your BCU account—or redeem as a statement credit!
Convenient Online Account Management
View transactions, make payments, get text alerts and more through our Digital Banking and smartphone app.
Calculate Your Rewards
See how much you could earn
Actual cash rebate will vary, based on individual purchase activity, credit line and promotional offers.
Card Benefits
-
Disclosure
Cash Rewards Visa® UNITED STATES
Check Current Pricing and Terms
*You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.
1Offer only available on new accounts. You will receive a $200 cash bonus after making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the cash bonus. After qualifying, the cash bonus will post to your rebate balance within one billing cycle.
2APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 0% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and balance transfers, and all subsequent purchases and balance transfers will receive the standard APR for purchases and balance transfers. Balance Transfers may not be used to pay off or pay down any amount owed to the Credit Union. There is a transaction fee of 3% of the amount of each balance transfer. All existing payment terms apply.
3The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 9.65% and 18.65% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The maximum APR is 33.00%.
Cash Rewards Visa® PUERTO RICO
Check Current Pricing and Terms
*You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.
1Offer only available on new accounts. You will receive a $200 cash bonus after making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the cash bonus. After qualifying, the cash bonus will post to your rebate balance within one billing cycle.
2APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 0% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and balance transfers, and all subsequent purchases and balance transfers will receive the standard APR for purchases and balance transfers. Balance Transfers may not be used to pay off or pay down any amount owed to the Credit Union. There is a transaction fee of 3% of the amount of each balance transfer. All existing payment terms apply.3The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 8.15% and 14.65% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The maximum APR is 18.00%.