Everyday purchases are already part of life — so why not get more from them? With the CEFCU Cash Back Credit Mastercard®, eligible purchases can earn 1.5% cash back,* helping turn groceries, gas, dining, and online shopping into money back in your pocket.
Whether you’re stocking up for the week, filling the tank, planning a night out, or checking out online, the CEFCU Cash Back Card helps make the spending you already do feel a little more rewarding.
Plus, with a qualifying new CEFCU Cash Back Card with a date the account opened by December 31, 2026, you’ll enjoy:
- 1.99% introductory APR** on Purchases and Balance Transfers for 12 months from the date the account opened.***
- No annual fee or Balance Transfer fees.
- Easy Redemption. Collect earned cash as a statement credit or deposit to the primary cardholder's CEFCU Savings or Checking account.
Apply today and start earning more from your everyday spending! Applying is easy: simply visit cefcu.com/creditcard, call us at 1.800.633.7077, or visit your nearest Member Center.
*Cash back: A CEFCU Cash Back Credit Mastercard earns 1.5% cash back rewards for each $1 spent on “eligible” “net purchase transactions” made with the card, rounded up or down to the nearest one cent. “Eligible” purchase transactions do not include cash advances, cash equivalent transactions (such as the purchase of gift cards or cryptocurrency), convenience checks, balance transfers, gambling, insurance/debt cancellation charges, or fees of any kind, including finance charges, foreign transaction currency conversion charges, late fees, over limit fees, returned check fees, ACH, Tele‑Entry or Autopay fees and ATM cash advance fees, and are excluded from earning cash back. Cash back rewards are not transferable to another rewards program and must be used before the CEFCU Cash Back Credit Mastercard is closed.
“Net purchase transactions” means the sum of your eligible purchase transactions minus returns and refunds. The amount of cash back earned on an eligible net purchase transaction is calculated by multiplying the amount of that transaction by 1.5%.
**Intro APR of 1.99% on Purchases and Balance Transfers. After the introductory period ends, for a CEFCU Cash Back Credit Mastercard, a variable Annual Percentage Rate (APR) of 14.00% to 23.50% on Purchases and Balance Transfers and 17.00% to 26.50% for Cash Advances will apply, depending on your creditworthiness. These APRs were in effect as of 4/1/26, and are subject to change quarterly with the national "Prime" rate. Contact CEFCU for full details. If there is a balance on your account and you haven’t paid it in full by the due date each month (including any introductory balance transfers posted to your account), you will lose your grace period on new purchases and interest will be charged on new purchases. We may end your introductory Annual Percentage Rates and apply the Penalty Annual Percentage Rate if you make a late payment.
*** The phrase "the date the account opened" means the date that the account is entered on our credit card system, which typically is one to two business days after we receive your signed application. Application and credit approval required.
You must be a CEFCU member in good standing. Intro Annual Percentage Rate will apply on Purchases for 12 months from the date the account opened. Intro Annual Percentage Rate will apply on Balance Transfers for 12 months from the date of the Balance Transfer, for Transfers completed during the first 90 days after the account opened. Each Balance Transfer posted during the introductory period will retain the introductory Annual Percentage Rate for 12 months from the posting date. The total amount of Balance Transfers and the outstanding balance on your account, including fees and interest charges, cannot exceed your available credit limit. See the CEFCU Cash Back Credit Mastercard Program Disclosures and Terms & Conditions, which will be provided at the time of application, for more details.
