Visa® Platinum CashBack Plus Credit Card - Yolo Federal Credit Union Skip to main content
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Visa® Platinum CashBack Plus Credit Card

Unfiltered Rewards

3% on Gas and Groceries—2% on Everything Else!


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What Is It?

Visa Platinum CashBack Plus Credit Card

At Yolo Federal, we believe in unfiltered banking. No hidden fees or complicated banking jargon—just transparency.

So, when we say life’s expensive, we mean it. That’s why you should use a card that rewards you for how you shop. With our Visa Platinum CashBack Plus Credit Card, you’ll earn 3% on gas and groceries and 2% on everything else!

Let us unfilter banking to fit your unfiltered lifestyle.

Why Yolo Federal

Great features, without the pesky fees

  • 3% on groceries & gas
  • 2% on everything else
  • Visa Card Benefits
  • Earn more cashback and redeem at anytime!**
  • No opt-in needed on special offers throughout the year

Rates & Fees

Visa Platinum CashBack Plus Rates

Type Annual Percentage Rate (APR)
Purchases 15.24%-18.00%*
Balance Transfers 15.24%-18.00%*
Cash Advances 15.24%-18.00%*

*This APR may vary with the market based on the Prime Rate.

Effective Date: April 1, 2024. The APR is accurate as of the effective date. Rates subject to change at any time.

A.P.R. will not exceed 18.00%.

Paying Interest: We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.

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

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 at http://www.consumerfinance.gov/learnmore.

Some restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.

Visa Platinum CashBack Plus Fees

Fee Type Fee
Annual Fee None
Balance Transfers None
Cash Advance None
Foreign Transaction None
Late Payment Up to a $15.00 after 4 days
Returned Payment Up to $30.00

Effective Date: September 1, 2023. The APR is accurate as of the effective date.

Paying Interest: We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.

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

Some restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.

Purchases made using the Yolo FCU Visa Platinum Cashback Plus Card earn standard rewards of 1 point per $1 ("Standard Rewards"). Effective 12/1/22, members will receive bonus points on qualifying purchases using the Yolo FCU Visa Platinum Cashback Plus card. Qualifying gas and grocery purchases will receive a combined total of three (3) points for every $1 (Standard Rewards plus two (2) bonus points for every $1). Qualifying gas and grocery purchases include MCCs 5542, 5541, 5543, and 5411. All other MCC purchases will earn a total of two (2) points for every $1 (Standard Rewards plus one (1) bonus point for every $1). Bonus points will be posted to member My Rewards accounts monthly. Posting will occur within 30 days after the last day of the previous month. Standard Rewards will be credited separately. Rewards can be redeemed at any time on amounts greater than $25 at yolofcu.org/myrewards. Any declined or reversed charges won't qualify for the offer. Some limitations or restrictions may apply. Contact a credit union representative for additional details.

Education

Benefits of Using a Credit Card

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FAQs

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  • Disclosures

    **Purchases made using the Yolo FCU Visa Platinum Cashback Plus Card earn standard rewards of 1 point per $1 (“Standard Rewards”). Effective 12/1/22, members will receive bonus points on qualifying purchases using the Yolo FCU Visa Platinum Cashback Plus card. Qualifying gas and grocery purchases will receive a combined total of three (3) points for every $1 (Standard Rewards plus two (2) bonus points for every $1). Qualifying gas and grocery purchases include MCCs 5542, 5541, 5543, and 5411. All other MCC purchases will earn a total of two (2) points for every $1 (Standard Rewards plus one (1) bonus point for every $1). Bonus points will be posted to member My Rewards accounts monthly. Posting will occur within 30 days after the last day of the previous month. Standard Rewards will be credited separately. Rewards can be redeemed at any time on amounts greater than $25 at yolofcu.org/myrewards. Any declined or reversed charges won’t qualify for the offer. Some limitations or restrictions may apply. Contact a credit union representative for additional details.

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To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.

To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office. 

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You are contacting a Yolo Federal Credit Union Representative. By clicking “Continue,” you understand that any transmission to or from this site is not confidential. You agree that Yolo Federal Credit Union will not be responsible to anyone for any damages arising out of or in connection with any e-mail or other electronic transmission sent to Yolo Federal Credit Union. All information you submit to Yolo Federal Credit Union via the site will be considered to be the property of Yolo Federal Credit Union, and Yolo Federal Credit Union is free to utilize any information you submit for any purpose, subject to Yolo Federal Credit Union’s Privacy Policy.

Fraud—Protect Yourself

We proactively work to protect members against fraud. All of our Debit and Credit Cards come with ID Navigator through NortonLifeLock™ to help protect you against identity theft. If you suspect fraud or have questions, please call, schedule an appointment, or click on Let's chat! to speak with a Yolo FCU representative.

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