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

Finance

Free - On the App Store

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cover-art

Yolo FCU Mobile

Finance

Free - On the App Store

What Is It?

Visa Platinum CashBack Plus Credit Card

We know life is expensive. So, why don’t you use a card that rewards you for how you shop? With our upgraded Visa Platinum CashBack Plus Credit Card, you’ll earn 3% on gas and groceries and 2% on everything else! Plus, with our reward options and online portal, you’ll have more control over how to use your rewards and how often they can be redeemed. Whether you want cashback, travel perks, or awesome merchandise—there’s a reward for everybody!

Additionally, you’ll receive exclusive offers from Yolo FCU throughout the year. It’s just our way of giving you more of what you want.

Why Yolo Federal

Great features, without the pesky fees

  • 3% on groceries & gas
  • 2% on everything else
  • Visa Card Benefits
  • Redeem your points for cashback 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 14.24%-18.00%*
Balance Transfers 14.24%-18.00%*
Cash Advances 14.24%-18.00%*

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

Effective Date: January 1, 2023. 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: January 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.

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.