Skip to main content
×
cover-art

Yolo FCU Mobile

Finance

Free - On the App Store

×
cover-art

Yolo FCU Mobile

Finance

Free - On the App Store

What Is It?

0% APR* for 12 months of purchases

Shop with zero guilt this holiday season. For a limited time, open a Visa® Platinum CashBack Plus Card and pay 0% APR* on all purchases for 12 months. Plus, you’ll earn cashback rewards on every purchase. Apply today and start your holiday season with the gift that keeps on giving.

Why Yolo Federal

Why choose Visa Platinum?

  • Save with 0% APR* on all purchases for 12 months
  • Earn 1%** CashBack on every purchase
  • Exclusive offers throughout the year
  • Easily Redeem your points for cashback at anytime**!

Rates & Fees

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: December 1, 2021. 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.

Visa Platinum CashBack Plus Rates

Type Annual Percentage Rate (APR)
Purchases 9.99%-16.99%*
Balance Transfers 9.99%-16.99%*
Cash Advances 9.99%-16.99%*

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

Effective Date: December 1, 2021. The APR is accurate as of the effective date. Rates subject to change at any time.

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.

FAQs

Don't see the answer to your question?

  • *This is not a secured email. Please do not include sensitive personal/financial information in this form. If you would like to discuss account details, please include a phone number so we can contact you. Thank you!
  • This field is for validation purposes and should be left unchanged.

  • Disclosures

    *APR = Annual Percentage Rate. New Visa Platinum CashBack Plus Cardholders will pay 0% APR (Introductory Rate) on purchases. To qualify, members must open a new Visa Platinum Cashback Plus Card (Platinum) between 11/1/21-12/31/21. Purchase made within 12 months from date of account opening (Promotional Period) will qualify for the Introductory Rate. Current Yolo Federal Credit Cardholders do not qualify for this offer. All purchase transactions during the Promotional Period qualify for the Introductory Rate. Some limitations or restrictions may apply. Balances and purchases will revert back to the non-promotional rate of 9.99%-16.99% APR as determined in your Credit Line Account Agreement and Disclosure after the Promotional Period or after one (1) late payment. Balance transfers and cash advances do not qualify and will have a rate of 9.99%-19.99% APR as determined in your Credit Line Account Agreement and Disclosure. Rate is valid 11/1/21 and subject to change without notice. Annual Percentage and term determined by members’ creditworthiness. Subject to approval. Some restrictions may apply.

    All Platinum cardholders will earn 1 point for every $1 spent (“Standard Points”) during the Promotional Period unless otherwise specified. Points can be redeemed for Cashback or other reward options. Points can be redeemed at any time on amounts greater than $25 at yolofcu.org/myrewards. 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.