Quiz
Which of our credit cards is right for you?
- How do you plan to use your credit card?
- To build or establish credit
- Sounds like our fixed rate VISA® Classic card is right for you. It’s easy to apply for and comes with some nice extras.
- To transfer my balance and lower my interest rate
- High rates got you down? Transfer your balance over to us. Our VISA® Gold card has the lowest rate of any of the credit cards we offer.
- Frequently, for every day purchases
- Nice! Are you more interested in rewards, or a low rate?
- Bring on the rewards
- Great! We think you’ll love our VISA® Platinum Cash Back Rewards card.
- Definitely a low rate
- Great! Our VISA® Gold card has the lowest rate of any of the credit cards we offer.
- Bring on the rewards
- Nice! Are you more interested in rewards, or a low rate?
- To build or establish credit
What Is It?
Visa Platinum CashBack Plus Credit Card
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.
5% Fuel Up
Pay yourself back with cashback at the pump. For a limited time, earn 5% cashback on Gas purchases through June 30, 2022. Not a Visa Platinum CashBack Plus cardholder yet? Apply today! For full details please read the disclosure at the bottom of the page.
Why Yolo Federal
Great features, without the pesky fees
- Earn points with every purchase**
- Visa Card Benefits
- Redeem your points for cashback at anytime**!
- No opt-in needed on special offers throughout the year
Rates & Fees
| Type | Annual Percentage Rate (APR) |
|---|---|
| Purchases | 10.24%-17.24%* |
| Balance Transfers | 10.24%-17.24%* |
| Cash Advances | 10.24%-17.24%* |
*This APR may vary with the market based on the Prime Rate.
Effective Date: May 1, 2022. 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 Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
Some restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.
| 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: May 1, 2022. 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)."
For Credit Card tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
Some restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.
1% = 1 point. 1% earned on all purchases. Points may be redeemed anytime through the online rewards portal at https://www.yolofcu.org/myrewwards on amounts greater than or equal to $25. Points will expire after 3 years at months end. There is no monthly or annual cap on points earned.
FAQs
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Where do I go to view or redeem my rewards?
Log into your online rewards portal to view and redeem your rewards.
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How do I earn points?
You will earn points for every purchase—1 point** for every $1.
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Do points expire?
Yes, points will expire after 3 years at months end. You can review when your points expire by logging into your rewards portal and selecting “My Account” then “My Account Statement.” Your points breakdown will show when points are scheduled to expire.
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Is there a limit to how many points I can earn in a month or year?
No, there is no monthly or annual cap on points.
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Is there a minimum redemption amount for cashback?
Yes, $25 or 2,500 points.
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Do I need to opt into the promotional offers from Yolo FCU?
No, you will automatically be opted-in for promotional offers. Points earned on promotional offers will be applied to your account differently than regular purchases. See the offer for more details.
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What is the credit limit for this card?
Credit limits range from $100-$20,000, based on your eligibility.
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How much is the insurance included with this card?
This card includes:
- $300,000 Automatic Travel Accident Insurance
- $10,000 Hotel and Motel Burglary Coverage
- $1,250 Lost Luggage Reimbursement
To learn more about the Emergency Medical and Dental coverage that is also included, feel free to contact us.
Don't see the answer to your question?
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Disclosures
Members will receive a bonus of five (5) points for every $1 on gas purchases using the Yolo FCU Visa Platinum CashBack Plus Credit Card between 4/1/2022 and 6/30/2022. All non-qualifying purchases will earn 1 point for every $1 spent. Points will resume to the standard 1 point for every $1 spent after 6/30/22. Promotional points will be posted to members’ rewards monthly. Posting will occur within 30 days after the last day of the previous month during the promotional period. Rewards can be redeemed at any time on amounts greater than $25 at yolofcu.org/myrewards. Only purchase transactions processed under MCC 2541, 5541, and 5542 qualify for the promotional offer. 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.
**1% = 1 point. 1% earned on all purchases. Points may be redeemed anytime through the online rewards portal at yolofcu.org/myrewards on amounts greater than or equal to $25. Points will expire after 3 years at months end. There is no monthly or annual cap on points earned.