Rewards Credit Card

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Rewards Credit Card

Cash is the best reward

Get 3% cash back on everything under the sun

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Get 3% cash back on every purchase

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No cash advance, annual, or balance transfer fees


Use cash rewards for gas, groceries, and more

Real rewards that work for you

Earn cash back with every purchase made with your Rewards Credit Card, with no limitations. Yes, this card features unlimited cash back. That means more money for you to help pay bills, get gas, or buy groceries.

Your cash rewards can be claimed in the Civic app or online banking. Get any amount, anytime, to use wherever you need. Now that is rewarding.

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Get what you deserve

  • Loan amounts up to $30,000 for individuals and up to $60,000 for joint accounts
  • 3% cash back with every purchase
  • APRs as low as 10.25%*
Credit Card with 3% Cash back

Life is better without fees^

  • No application fees
  • No cash advance fees
  • No annual fees
Rewards Credit Card Features

Options are rewarding

  • Consolidate debt with low rates
  • Earn unlimited cash back
  • Save money with no fees
Rewards Credit Card Benefits

Want to save while you spend? Send your cash rewards to a Select Savings Account to maximize your benefits.

Select Savings

It's a savings engine

  • Competitive dividend yields
  • Goal tracking
  • Establishes Civic membership
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You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:


* Subject to approval. Rate and credit limit are evaluated based on member’s credit history; rates are subject to change. Credit card may be secured with Civic Select Savings Account funds.

† The 3% cash back rewards offer applies to Civic Consumer Rewards Credit Cards only. All loans are subject to approval via Civic’s online application process or by the Civic Experience Center. 3% rewards are available for card purchases less returns. Cash back rewards will be given for purchases made between the dates of 5/1/22 and 7/31/22 that have a post-date prior to or on 7/31/22. At the end of the reward period stated above, the rewards percentage will revert back to 1% cash back rewards. If not already a member, you must obtain membership with Civic FCU at the time of credit card application. For full details and exclusions for the Civic Cash Back Rewards Program, click here.

^ Other fees may apply. See details.