More cash back on the purchases you make the most.
The UCCU 4-3-2-1 Cash Back credit card is the best cash back card anywhere, automatically rewarding you on every purchase. The more you spend, the more you earn. Plus with no monthly or yearly fees on the card, a Cash Back Visa card from UCCU is a must have in your financial wallet. Maximize your credit rewards and apply today.
Cash back rewards are deposited quarterly right to your account. You can also pay off your monthly statements right from your UCCU app anytime, anywhere. More information on How Cash Back Credit Cards Work can be found on our UCCU Article page.
The more you spend, the more you earn. It’s that simple. Your cash back rewards are deposited quarterly, directly into your UCCU account. This effortless system ensures you get the most out of your spending without tracking points or activating special categories.
Get 4% cash back on travel purchases! Whether booking flights, reserving hotels, or planning a dream vacation, every journey earns you more. There are no complicated steps or hidden restrictions—just automatic rewards that turn your travel expenses into big savings. Make every getaway more rewarding with 4% cash back. Travel smarter, plan easier, and let your card take you further than ever before.
3% on Gas:
Fuel your savings with 3% cash back. Every mile counts when you use the UCCU 4-3-2-1 Cash Back Visa for gas purchases. Earn 3% cash back every time you fill up, whether for the daily commute or a weekend road trip. Drive smarter, save more, and let your card keep your tank and wallet full.
2% on Groceries:
Turn groceries into rewards. Stock up and save, earn 2% cash back on all your grocery purchases, from fresh produce to pantry staples. No extra effort–just automatic rewards every time you shop. Feed your family, fill your cart, and let your card work as hard as you do. This includes bulk purchases from places like Costco and Sam’s Club.
1% on Everything Else:
Cash back on every purchase! Earn 1% cash back on all your other purchases, no exceptions. From everyday essentials to spontaneous splurges, every swipe adds up to effortless rewards. It’s an easy way to make the most of your spending–whether shopping online, paying bills, or grabbing a coffee, you’ll earn cash back every time.
Security and Zero Fraud Liability
Every UCCU Visa Credit Card offers protection, with EMV chip technology and Visa’s ZERO Fraud Liability policy. This is our guarantee you won’t be held responsible for unauthorized charges if your card is lost or stolen. It also comes with no unexpected rate hikes, annual fees, or balance transfer fees. If your card is ever lost or stolen, use the UCCU CardApp to freeze your card. Call, text, or visit a UCCU branch immediately to get a replacement card.
For a lower interest rate credit card from UCCU, check out the Low Rate Visa Card with no annual fees and affordable interest rates you can enjoy.
Apply Today and Start Earning
With its rewards program, security and user-friendly management tools, the 4-3-2-1 Cash Back Visa Credit Card is a smart choice for anyone looking to make the most of their spending. Apply today and start earning cash back on every purchase you make.
Maximize your credit rewards with UCCU and make every purchase work. Whether you’re fueling up, dining out, or booking your next adventure, the 4-3-2-1 Cash Back Visa Card always rewards you.
With EMV chip technology and Visa’s ZERO Fraud Liability policy, your UCCU credit card offers top-notch security. The chip adds an extra layer of protection for in-person purchases, and the ZERO Fraud Liability policy ensures you won’t be responsible for any unauthorized charges if your card is lost or stolen, giving you peace of mind.
Works with Your Mobile Wallet
Our cards work with various digital payment options to make your life easier. You can use convenient services like Apple Pay, Google Pay, Samsung Pay, Visa Checkout, PayPal, and more. These payment methods are fast, secure, and let you shop online or in stores without needing to carry your physical card everywhere.
Comes with NO Surprises
Our credit cards come with no surprises, so you can feel confident using them. That means no unexpected rate hikes to catch you off guard, no or low annual fees to worry about, and no balance transfer fees to slow you down. With clear terms and straightforward benefits, you’ll enjoy a stress-free and reliable credit card experience.
Effortless Management with the UCCU App
Managing your UCCU 4-3-2-1 Cash Back Visa is as easy as it is rewarding. Using the UCCU app, you can:
Pay off your monthly statements anytime, anywhere.
Monitor your transactions in real time.
Freeze your card immediately if it’s lost or stolen.
The app’s convenience gives you control at your fingertips, so you can focus on enjoying your rewards without worrying about security or payment hassles.
Low-rate Visa Credit Card:
*APR = Annual percentage rate. Variable APR ranges from 11.00% to 18.00% APR. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 1% foreign transaction fee. Federally insured by NCUA.
4321 Cash Rewards Visa Credit Card:
*APR = Annual percentage rate. Variable APR ranges from 17.00% to 18.00% APR. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 1% foreign transaction fee. Federally insured by NCUA.
The UCCU 4-3-2-1 Cash Back Visa does not have monthly or annual fees. Enjoy the benefits of earning cash back on your everyday purchases without worrying about extra charges eating into your rewards. There are no hidden fees!
How often will I receive my cash back rewards?
UCCU will automatically deposit your cash back into your account every quarter. There’s no need to track your earnings or manually redeem your rewards. As long as you’re using your card for purchases in the 4-3-2-1 categories, you’ll see your cash back reflected in your account every three months, making it easy to watch your savings grow. You don’t have to do anything to claim your rewards–it’s that simple.
What qualifies as travel, gas, or grocery purchases?
Travel: This includes purchases like flights, hotel stays, rental cars, and other travel-related expenses.
Gas: Gas purchases at eligible retail locations qualify for 3% cash back.
Groceries: Grocery store purchases, including food and household essentials, earn 2% cash back. Some non-grocery stores may not qualify for the 2% rate.
What if I make a purchase that’s not eligible for cash back?
If you make a purchase that doesn’t fall into the travel, gas, or grocery categories, don’t worry–you’ll still earn 1% cash back. This ensures that every dollar you spend contributes to your rewards, regardless of where you shop. Whether it’s a coffee run, online shopping, or a dinner out, you’ll earn cash back with every purchase.
Can I use this card with mobile payment options like Apple Pay or Google Pay?
Yes! The UCCU 4-3-2-1 Cash Back Visa can be added to your mobile wallet, including Apple Pay and Google Pay, for easy and secure payments while still earning cash back on your purchases. Plus, you’ll still earn cash back rewards on all eligible purchases, even when paying with your phone for added convenience and security.
Other UCCU Card Products
Low Rate Visa Credit Card
Lower Interest Means Bigger Savings. Get our best rate available to save even more on everyday purchases.
Be advised UCCU does not provide and is not responsible for the product, service, overall website content, security, or privacy policies on any external third-party sites. The UCCU privacy and security policies do not apply to linked sites.
