VyStar Visa Signature Cash Back Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 17.75% variable based on the Prime Rate and credit history
At a glance
The VyStar Visa Signature Cash Back Card is a solid cash back credit card from VyStar Credit Union in Central and Northern Florida. The card earns 3% back on gas, 2% back on groceries, and 1% back on everything else. The card also boasts 0% intro APR on balance transfers for the first year, no annual fee, and no fees for balance transfers, cash advances, or foreign transactions.
Our review of the VyStar Visa Signature Cash Back Card
The VyStar Visa Signature Cash Back Card is a valuable cash back rewards credit card offered by VyStar Credit Union in Florida. While it offers impressive cash back on all purchases, there are some limitations to consider when it comes to redeeming rewards.
Earning Cash Back
Similar to the VyStar Visa Signature Rewards Card, the Cash Back Card allows cardholders to earn up to triple cash back on select categories. This includes 3% back on gas station purchases, 2% back on groceries, and 1% back on all other purchases made with the card.
Redeeming Cash Back
Cash back earned with the VyStar Cash Back Card can be redeemed through the CU Rewards Cashback Mall. This portal offers a variety of redemption options, including gift cards, merchandise, travel rewards like airfare and hotels, and more. However, it’s important to note that any unredeemed cash back will automatically be credited back to the card each October.
Interest Rates and Fees
The Cash Back Card features a fixed APR of around 11%, which is lower than the national average. Additionally, cardholders can take advantage of a 0% introductory APR for balance transfers for the first year. With no fees for balance transfers, this card is a great option for those looking to consolidate debt.
Visa Signature Benefits
In addition to its cash back rewards, the VyStar Cash Back Card also offers a range of Visa Signature perks and protections. These include Roadside Dispatch, Auto Rental Collision Damage Waiver, travel accident insurance, Lost Luggage Reimbursement, and access to the Visa Luxury Hotel Collection.
Joining VyStar Credit Union
VyStar Credit Union is the largest credit union in Central and Northwest Florida. Membership is currently open to individuals who live or work in the counties served by the credit union.
Overall, the VyStar Visa Signature Cash Back Card is a solid choice for those looking to earn cash back rewards on their everyday purchases. However, the automatic statement credit feature may not be suitable for everyone. Consider your spending habits and redemption preferences before applying for this card.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 3% cash back on gas, 2% on groceries, and 1% on all other purchases
- Redeem for statement credits or in the Cash Back Mall
- No annual fee
- Visa Signature Concierge
Who this card may suit
- You already Bank with VyStar Credit Union
- You prefer automatic cash back redemptions over hoarding points
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 17.75% variable based on the Prime Rate and credit history |
| Intro Balance Transfer APR | 0% for 12 months |
| Balance Transfer APR | 17.75% variable based on the Prime Rate and credit history |
| Cash Advance APR | 17.75% variable based on the Prime Rate and credit history |
| Late Payment Penalty Fee | Up to $25 |
| 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: Excellent Credit Good Credit.
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VyStar Visa Signature Cash Back Card
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