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Visa Cash Back Signature Card Disclosure

CUA’s Cash Back Visa® credit card sports elite travel benefits and a rewards program that offers points you can redeem for no-black-out-dates airline tickets, merchandise, or 1.5% cash back on Visa dollars spent on purchases.

  • 1.5% cash back on all purchases
  • No foreign transaction fees
  • Includes elite travel rewards and Visa Signature perks
  • New cardholders receieve 7,500 bonus points when you spend $3,000 in the first 90 days

Apply Now

For additional features, visit the Visa Signature Card Guide to Benefits. You can also always view the most current VISA Signature Credit Cardholder Agreement.

All fees and charges are subject to change at any time, with proper advance notice.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 

16.65% APR

This APR will vary with the market based Prime Rate.

APR for Balance Transfers

16.65% APR

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

18.65% APR

This APR will vary with the market based on the Prime Rate. 

How to Avoid Paying Interest on Purchases and Balance Transfers Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau (CFPB).
Fees
Set-up and Maintenance Fees
Replacement Card $10.00 each
Transaction Fees
Balance Transfers $10.00 per transfer
Cash Advance $5.00 per cash advance item
Foreign Transaction None
Penalty Fees
Late Payment Up to $25.00
Returned Payment Up to $26.00

How We Will Calculate Your Balance:  We use a method called "average daily balance (including new purchases)."

Documentation Fee:  $2.00 per item.

This disclosure statement is accurate as of 06/15/18. This information may change after that date. To find out what may have changed, call
316.265.3272 or 800.256.8049, or write to Credit Union of America, P.O. Box 47528, Wichita, KS 67201-7528.

For California Borrowers, the Visa Platinum is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.