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
| 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.
| 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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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—3 points** for every $1 on qualifying gas and grocery purchases and 2 points** for every $1 on everything else.
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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
**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.