Get more from every purchase.

†APR=Annual Percentage Rate

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

Effective Date: October 1, 2026. The APR is accurate as of the effective date. Rates subject to change at any time.

APR 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.

Purchases made using the Yolo FCU Visa Platinum Cashback Plus Card earn standard rewards of 2 (two) point per $1 (“Standard Rewards”). Gas and grocery purchases will receive three (3) points for every $1. Qualifying gas and grocery purchases include MCCs 5542, 5541, 5543, and 5411. Rewards will be credited automatically and can be redeemed at any time on amounts greater than $25 through My Rewards by logging into Online or Mobile Banking. Any declined or reversed charges won’t qualify for the offer. Contact a credit union representative for additional details.

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


†The Yolo FCU Platinum Rewards offer runs 10/1/26-12/31/26 ("Promotional Period"). To qualify, New Visa®️ Plaitnum CashBack Plus cardholders must (1) apply during the Promotional Period, (2) open the account by 1/31/27, and (3) meet a spend threshold within 90 days of account opening to receive bonus rewards. Qualifying spend thresholds: $5,000 for 100,000 bonus points $3,000 for 50,000 bonus points. Existing Visa Platinum CashBack Plus cardholders ("Existing Platinum") may qualify for 50,000 bonus points with $3,000 in qualifying spend by 12/31/26. Existing Platinum are not eligible for the 100,000 bonus point offer. Cardholders must meet the minimum spend threshold to receive bonus points. All purchase transactions during the promotional period qualify; declined or reversed charges are excluded. Some limitations or restrictions may apply. During the Promotional Period cardholders earn standard points of 3 points for every $1 spent on gas and grocery MCCs and 2 points on all other MCCs. Bonus points will be posted within 45 days of meeting the spend threshold. Redeem points for cashback or other reward options any time on amounts greater than $25 through the rewards portal within Online Banking.
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