Hand holding the Rivermark cash back credit card.

Cash Back Card

Earn Unlimited 1.5% Cash Back

Cash Back Credit Card

Earn 1.5% cash back on every purchase, including items for this weekend’s barbecue, gas for the car, your morning latte, or a night on the town. Access your cash back in Online or Mobile Banking.

Earn 1.5% cash back on all purchases**
No cap on cash back earnings
No annual fee
No balance transfer fee

Apply Online View Rates

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	Platinum	Cash Back	Secured
Best For	Carrying a balance and balance transfers	Generous cash back on all purchases	Building or rebuilding credit
Rates	as low as 9.15% APR*	as low as 13.75% APR**	10.90% APR***
No Annual Fee	Square Check	Square Check	Square Check
No Balance Transfer Fee	Square Check	Square Check	Square Check
Earn Rewards		Square Check
Digital Wallet	Square Check	Square Check	Square Check

Additional Card Benefits

Auto Rental Insurance – Basic

Auto Rental Collision Damage Waiver (ARCDW) gives your eligible Visa cardholders insurance coverage for physical damage and theft, reasonable and customary towing and valid loss-of-use charges and administrative fees when they reserve and pay for a rental car with their covered account. In order for coverage to apply, the cardholder must use the covered account to secure transactions.

Lost Luggage Insurance – up to $1,250

Lost Luggage Reimbursement will reimburse the eligible Visa cardholder for the difference between the value of the amount claimed and the common carrier’s payment when the cardholder checked luggage and contents are lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). In order for coverage to apply, the cardholder must use the covered account and/or rewards program associated with the covered account to secure transactions.

Travel Accident Insurance - $250,000

Travel Accident Insurance provides accidental death and dismemberment coverage when the eligible Visa cardholder purchases the passenger fare with the covered account. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus terminal, etc.), between terminals and when the cardholder is at the airport immediately before departure or immediately after arrival on any covered trip. Certain terms, conditions and exclusions apply. In order for coverage to apply, the cardholder must use the covered account to secure transactions.

Extended Warranty Protection up to $10,000

Extended Warranty Protection will extend the time period of the covered Visa cardholder’s U.S. manufacturer’s warranty of three years or less for eligible items purchased with the covered account. Eligible warranties of one to three years will be extended up to one additional year. Eligible warranties of less than one year will be doubled. There is a per claim maximum of $10,000 and a per cardholder maximum of $50,000. Certain terms, conditions and exclusions apply. In order for coverage to apply, the cardholder must use the covered account and/or rewards program associated with the covered account to secure transactions.

Cellular Telephone Protection up to $100

Cellular Telephone Protection provides reimbursement for your eligible Visa cardholder’s stolen or damaged cell phone when the cardholder pays their wireless cell phone bill with a covered account. Eligible cell phones are the lines listed on the cardholder’srecent cellular wireless service provider’s monthly billing statement for the billing cycle prior to when the incident occurred. Various coverage levels are available. Certain terms, conditions and exclusions apply. In order for coverage to apply, the cardholder must pay their monthly cell phone bill with their covered account.

Frequently Asked Questions

Simply log in to Online Banking or the mobile app. Go to Cards & Checks in the menu, select Cash Back Rewards, and click or tap the Redeem icon.

You may deposit the cash value into your Rivermark deposit or credit card account or choose to donate them to the Rivermark Community Fund.

View a Step-By-Step Demo:

Desktop

Mobile
Yes, as a no fee advance up to your credit limit.

*Best for members who want to consolidate and pay down higher interest debt. Credit limits from $250 to $30,000. The APR (Annual Percentage Rate) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. Except where otherwise indicated, the APR is accurate as of the date shown above and is subject to change without notice. Rates are based on your credit history and current credit report. All loans are subject to underwriting approval. Foreign currency conversion fee up to 1% may apply. Annual Percentage Rate is for purchases, cash advances, and balance transfers. No Annual Fee, Cash Advance Fee, or Balance Transfer Fee. Please contact us for rates and terms specific to your loan request.

**Earn 1.5% unlimited cash back with every purchase. Credit limits from $5,000 to $50,000. The APR (Annual Percentage Rate) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. Except where otherwise indicated, the APR is accurate as of the date shown above and is subject to change without notice. Rates are based on your credit history and current credit report. All loans are subject to underwriting approval. Foreign currency conversion fee up to 1% may apply. Annual Percentage Rate is for purchases, cash advances, and balance transfers. No Annual Fee, Cash Advance Fee, or Balance Transfer Fee. Please contact us for rates and terms specific to your loan request. Cash Back Rewards Terms & Conditions: https://www.rivermarkcu.org/cash-back-card-rewards-terms

***Best for members who need to rebuild and strengthen their credit. Credit limit starts at $250, backed by deposit. The APR (Annual Percentage Rate) is fixed. Except where otherwise indicated, the APR is accurate as of the date of this Rate Sheet and is subject to change without notice. All loans are subject to underwriting approval. Foreign currency conversion fee up to 1% may apply.

Credit Card Terms & Conditions

Note: the interest rate may increase after loan consummation.

Cash Back Card

Cash Back Credit Card

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