Business Cash Back Card

Man hands over his credit card to a store clerk.

Points that Don’t Expire

Generate revenue whenever you use your card.

Flip the script on accounting and move purchasing into the income column.

With your business’s Cash Back credit card¹, you’ll earn non-expiring points redeemable for cash — 1.5% for every $1 you spend.²

Apply Online

Offset a Portion of Your Expenses

The way to earn 1.5% cash back for every $1 spent is simply use your UFCU Cash Back credit card to pay for purchases and services. Even better news? Receiving cash back is just as easy as earning it. We can deposit the cash back you earn into your savings account or apply it to your card balance.

Redeem your Cash Back points at any time throughout the year, and your points never expire.¹

To view your points, access digital banking and select reward points for your credit card. Enjoy the card’s many other benefits — like cash advances up to 25% of your credit limit (for a 1% cash-advance fee with a $5.00 minimum).

To see if your business is eligible for a UFCU business credit card, see our eligibility requirements. We’re here to help you and your business prosper.

Apply Online

Woman makes a purchase from the comfort of her sofa using a credit card and her mobile phone.

Rates

Rate is fixed at the time your application is approved.
Cash Back redemption starts at 1,000 Points. For example 1,000 Points = $ 10 Cash Back.
	Annual Percentage Rate (APR) based on your credit and risk score
Your Credit	Excellent	Good	Average
Cash Back VISA^®	15.90%	16.90%	17.90%

Calculator

Learn How Long It Will Take to Pay Off Your Debt
Feeling overwhelmed by your credit card balance? You're not alone! Many cardholders find themselves in this situation. But don't worry, we've got a plan to help you tackle it.
A good rule of thumb is to try to pay off any card balance in 36 months, but you might want to see what it will take to pay off the balance in shorter or longer increments of time. How long it takes depends on these factors:
- Interest Rate: The higher the rate, the longer it might take to pay off your balance. /li>
- Card Usage: Continued spending can extend the payoff period.
- Monthly Payments: The more you pay each month, the faster you'll clear your debt.
Aiming to pay off your balance in 36 months is a solid goal, but you can adjust this timeframe to fit your needs. Here's how:
1. Enter your current balance.
2. Input the interest rate.
3. Estimate your monthly charges.
4. Decide on your monthly payment amount.
By tweaking these factors, you can see how long it will take to become debt-free. Ready to take control of your finances? Let's get started!
Our online calculators are designed for educational and informational purposes only. They are intended to provide general guidance and estimates based on the information you provide. These tools should not be used as the sole basis for making financial decisions. We recommend consulting with a qualified financial advisor to obtain personalized advice tailored to your specific financial situation. There is no guarantee on the loan terms presented in the calculation.

FAQs

The primary cardholder must complete and submit an Add Authorized User Request form.
Your request will be processed in 2-3 business days and you should receive the new card with the additional user's name in 7-10 business days.
Locking a card is a security feature that prevents your card from being used for transactions until the card is unlocked. To lock or unlock a card, choose Cards » Manage Cards and select the card you want to manage. Then click the toggle to lock or unlock your card.
1. Log into Online Banking or the Mobile app.
2. In the top toolbar, select Cards » Manage Card.
3. Select the card for which you want to select a new PIN.
4. In the Self-Service section, click Change.
Visa Platinum is the type of card you will use for UFCU Credit card rewards. Learn more from Visa.