Meet Our New Visa Platinum Rewards Card
You're Not Shopping. You're Earning.
Up to 3% Cash Back
Road trips, date night — even weekend errands — our newly redesigned Visa Platinum Rewards card helps you earn more from everyday spending.
You'll enjoy up to 3% cash back on spending and 0% introductory APR for six months on purchases and balance transfers, then rates as low as 13.15% APR thereafter.
Better yet, when you spend $1,000 in the first 90 days, we'll give you $100.
Swipe, tap, or click — every purchase pays you back.
Here's how it works:
1% on Spending
No limit on how much you can earn
3% on Popular Spending
Earn more on restaurants and gas/EV charging — up to $4,000 in spending per category
$100 Bonus
Spend $1,000 or more in the first 90 days, and we'll deposit a $100 bonus in your CashBack+ Balance
0% Intro APR for Six Months
On purchases and balance transfers. As low as
13.15% APR thereafter
No Annual Fee
Just more cash back, not more fees
Apply Online or Schedule an Appointment
Simply apply online or schedule an appointment to speak with one of our financial service representatives.
APR (Annual Percentage Rate) as of July 1, 2026, is a 0% introductory rate for 180 days following account opening on purchases and balance transfers, then reverts to the standard variable rate tied to the Prime Rate, currently ranging between 13.15% APR and 23.15% APR, is based on creditworthiness, and is subject to change. Offer may be withdrawn at any time and cannot be used to pay any 1st United loan or line of credit obligation. Account must be in good standing. Offer does not apply to Visa Platinum share secured cards. Introductory rate reverts to the standard rate if a payment is late or missed. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country. Loans are subject to credit approval. Cannot be combined with any other offer.
CashBack+ details: Cardholders will earn 1% CashBack+ Balance on all spending with no cap and 3% CashBack+ Balance on purchases on these two categories: 1.Restaurants and 2. Gas/EV charging, with an annual cap of $4,000 in spending per category per credit card account. Annual is calculated per calendar year. Purchases in designated cash back categories beyond the annual cap will receive the standard 1%. 1st United does not control merchant category assignments and is not responsible for incorrectly coded transactions. CashBack+ Balance earned through spending will accrue on a monthly basis. CashBack+ Balance earned through gift card purchase will accrue immediately. CashBack+ Balance may be forfeited if account is not in good standing.
$100 spend bonus: $100 will be credited to CashBack+ Balance on the first day of the month following after the $1,000 threshold is met. Balance transfers and cash advances do not count toward spending total.
Please review complete Visa Disclosure (PDF 378.4kb) and CashBack+ Terms and Conditions.
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