USF Rewards Visa®
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Visa
- Regular purchase APR
- 14.49% to 17.99% variable based on creditworthiness and the Prime Rate
At a glance
The USF Rewards Visa® is a straightforward credit union rewards card with a surprising aptitude for travel – specifically, airfare bookings. An unremarkable 1X bonus rate is made up for with a moderate signup bonus and a below-average APR range.
Our review of the USF Rewards Visa®
Looking for a credit card that lets you show off your Bull pride and earn rewards? Look no further than the USF Rewards Visa® offered by the USF Federal Credit Union. With no annual fee and the ability to earn points on purchases, this card is a great option for USF fans. However, the high minimum point thresholds mean you’ll need to spend at least $6,000 before you can start redeeming your rewards.
Choose Your Signup Bonus
New cardholders can choose between two signup bonuses with the USF Rewards Visa®. The first option gives you 10,000 Bonus Points after spending $3,000 within the first 90 days, while the second option allows you to earn 3X points on all purchases during the first 90 days.
Earning Points with the USF Rewards Visa®
The USF Rewards Visa® offers a flat rate of 1 point per dollar spent on all purchases, with the possibility of earning up to 10X points on purchases from specific retailers through their online shopping portal. While the earning potential is limited, the card does offer a low APR, making it a good option for those looking to earn rewards while enjoying competitive rates.
Redeeming USF Rewards Visa® Points
Cardholders have a wide range of redemption options to choose from, including cash, gift cards, merchandise, and travel. While redeeming for cash or gift cards may not offer the best value, redeeming for travel can provide a worthwhile value, especially for those who plan on spending a significant amount.
Should You Apply for the USF Rewards Visa® Credit Card?
Overall, the USF Rewards Visa® is a decent option for those looking for a rewards card with a low APR. While the rewards program may not be the most competitive, the card does offer some value, especially for those who plan on spending a significant amount and redeeming for travel. If you’re a USF fan looking for a credit card that lets you earn rewards while showing off your school spirit, the USF Rewards Visa® may be worth considering.
Check out other USF CU credit card offers to find the best option for your financial needs.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 1X point per dollar
- No balance transfer fee
- No annual fee
- Digital wallet compatible
- Choose from 3 card designs
Who this card may suit
- You're a USF student, alumni, or faculty member
- You will spend at least $1,500 within the first 90 days
- You want rewards in the form of airfare
- You want a long-term balance transfer card
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 14.49% to 17.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 14.49% to 17.99% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 14.49% to 17.99% variable based on creditworthiness and the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 2% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 1% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $30 |
| Return Payment Penalty Fee | Up to $25 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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USF Rewards Visa®
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