Want to save while you spend? Send your cash rewards to a Select Savings Account to maximize your benefits.
Rewards Credit Card
Cash is the Best Reward
No complicated points, just cash. Every time.
Earn
Get 1% cash back on every purchase*
Save
No cash advance, annual, or balance transfer fees
Spend
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.
Get what you deserve
- Loan amounts up to $30,000
- 1% cash back * with every purchase
- APRs as low as 9.50%^
Options are rewarding
- Consolidate debt with low rates
- Earn unlimited cash back
- Save money with no fees
You know that details matter. [And you are in good company.]
Here are a few frequently asked questions:
How long does it take to get approved?
We work fast. The online application will take less than ten minutes. You will have an answer within one business day.
What if my credit score is low?
You can still apply. Our team will look for ways we can help you.
What if I have never had a credit card?
You can still apply. We may ask for a co-borrower if needed.
What are my credit limit options?
Consider how you will use your card. If you want to perform balance transfers, replace another card or make large purchases, ensure the credit limit you request covers these amounts. And, don’t worry if you qualify for more; we'll let you know. As a note, the maximum loan amount is $30,000.
Do I have to be a member of Civic Federal Credit Union to apply?
Yes. Your membership will be established during the account opening process.
How do balance transfers work?
Once you get your credit card, you can request a balance transfer anytime through the Civic mobile app or our website. If you have more specific questions as you get started, the Experience Center is available to help you navigate the process.
Are there really no fees?
While we waive a lot of fees, there is still a late payment fee.
Are there limits to the amount of rewards I can earn?
This card provides unlimited rewards, which you can redeem anytime and in any amount. For full details, check out the terms and conditions.
Where do I redeem my rewards?
You can monitor and redeem your rewards anytime through the mobile app or online banking. You can transfer your cash rewards in any amount to a Bonus Checking or Select Savings account.
How do I get started?
Click apply, and you’re on your way!
Terms & Conditions
* Civic Rewards Credit Card accounts eligible for this program earn 1% for each dollar spent in qualifying new purchases, net of returns (“Cash Back Rewards”).
^ Subject to approval. Rates 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.