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Rewards Credit Card
Turn everyday purchases into points for travel, shopping, and more with the Civic Rewards Credit Card.
Earn
Get 1% back in rewards points1 on everyday purchases
Save
No cash advance, annual, or balance transfer fees2
Redeem
Use rewards points for travel perks, shopping and more
Rewards Credit Card turns purchases into points
Get this credit card to shop, earn points and redeem them for travel, gift cards, merchandise, and so much more! When you make purchases with your Civic Rewards Credit Card, you turn your everyday purchases into points for the things you want or need. You decide when to redeem them — they never expire. To redeem, use the uChoose Rewards catalog through online banking to find thousands of options. Now, that is rewarding!
Terms
- Earn 1% back in rewards points1 on your purchases
- Rates as low as 13.75% APR1
- Loan amounts up to $30,000 for individuals
- Loan amounts up to $60,000 for joint accounts
Features
- No application fees
- No cash advance fees
- No annual fees
- Eligible for Roadside Dispatch3 as Civic Visa® Rewards cardholder
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Here are a few FAQs
Are there really no fees?
While we waive a lot of fees, there is still a late payment fee.^
Are there limits to the amount of rewards I can earn?
This card provides unlimited points, which accrue as you make purchases and can be redeemed the following month. For full details, check out the terms and conditions.
Where do I redeem my rewards?
You can track your points and view your rewards anytime when you log in to online banking. Click the link to the uChoose Rewards online catalog to see all your reward options.
How do I get started?
Click apply, and you’re on your way!
How do I earn rewards points?
Civic partners with uChoose Rewards so you can earn 1 point for each dollar you spend on qualifying purchases using your Civic Rewards Credit Card. The offer is good anywhere in the U.S. that the card is accepted. You can earn even more points when you shop at the participating retailers featured on the uChoose Rewards site.
What types of rewards are available?
You can redeem your points online for gift cards, merchandise, travel perks and more, or choose to pay with points at participating merchants.
When can I redeem my points?
It can take up to 60 days for your points to be credited to your account. To redeem your points, you may need to accumulate a minimum points threshold. Check the dashboard on the uChoose Rewards homepage to see when you’re eligible for redemption.
Where can I view my points activity?
Log in to Civic online banking and click on My Rewards to view all the points you’ve recently earned and redeemed.
What happens to my points if my card is lost or stolen?
Don’t worry: If your card is lost or stolen and a replacement is issued, you can access your points with the new card, as long as it is on the same account. Once you receive your new card, simply log in as usual and you will see the new card and current points balance.
How long does it take to get approved?
We work fast. The online application will take less than ten minutes. You will have an answer within one business day.
What if my credit score is low?
You can still apply. Our team will look for ways we can help you.
What if I have never had a credit card?
You can still apply. We may ask for a co-borrower if needed.
What are my credit limit options?
Consider how you will use your card. If you want to perform balance transfers, replace another card or make large purchases, ensure the credit limit you request covers these amounts. And, don’t worry if you qualify for more; we'll let you know. As a note, loan amounts up to $30,000 for individuals and up to $60,000 for joint accounts.
Can I get a Classic Credit Card and a Rewards Credit Card?
Yes! You can have a Classic Credit Card and a Rewards Credit Card. To do this, you will just need to qualify for both. Cardholders are limited to one (1) Classic Credit Card.
How do balance transfers work?
Once you get your credit card, you can request a balance transfer anytime through the Civic mobile app or our website. If you have more specific questions as you get started, the Experience Center is available to help you navigate the process.
Do I have to be a member of Civic to apply?
We can establish your membership during the account opening process.
Get the Rewards and Credit Card you deserve!
Apply for the Rewards Credit Card and turn everyday purchases into points. Choose from more than 1,000 options to redeem.
1 Subject to approval. Rate and credit limit are evaluated based on member’s credit history; rates are subject to change. Credit card may be secured with Civic Select Savings Account funds. 1% rewards offer applies to Civic Consumer Rewards Credit Cards only. 1% rewards available for card purchases, less returns. Redemption value of points may vary depending on the redemption option selected. If not already a member, you must obtain membership with Civic at the time of credit card application. See full details and exclusions for the Civic Rewards program.
2 Other fees may apply. Get details.
3 Provided by Visa.® No membership, pre-enrollment or annual dues required.
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