Rewards Credit Card

Happy female holding smartphone and a civic's reward credit card
Rewards Credit Card

Cash is the best reward

Get 5% cash back until December 31. It’s that easy.


5% rewards on every purchase


No cash advance, annual, or balance transfer fees^


Use cash rewards for gas, groceries, and more

Real rewards that work for you

Earn cash back with every purchase made with your Rewards Credit Card. Yes, this card features unlimited cash back. That means more money for you to help pay bills, get gas, or buy groceries.

Your cash rewards can be claimed in the Civic app or online banking. Get any amount, anytime, to use wherever you need. Now that is rewarding.

Man with child on bumper car

Get what you deserve

  • Loan amounts up to $30,000 for individuals and up to $60,000 for joint accounts
  • 5% cash back on every purchase until December 31
  • APRs as low as 11.75%*
5% cash back on everything. Now through December 31

Life is better without fees^

  • No application fees
  • No cash advance fees
  • No annual fees
Rewards Credit Card Features

Options are rewarding

  • Consolidate debt with low rates
  • Earn unlimited cash back
  • Save money with no fees^
Rewards Credit Card Benefits

Want to save while you spend? Send your cash rewards to a Select Savings Account to maximize your benefits.

Select Savings

It's a savings engine

  • Competitive dividend yields
  • Goal tracking
  • Establishes Civic membership
Learn More
You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:


* 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.

† The 5% cash back rewards offer applies to Civic Consumer Rewards Credit Cards only. All loans are subject to approval via Civic’s online application process. 5% rewards are available for card purchases less returns. Cash back rewards will be given for purchases made between the dates of 10/01/22 and 12/31/22 that have a post-date prior to or on 12/31/22. At the end of the reward period stated above, the rewards percentage will revert back to 1% cash back rewards. 1% cashback bonus rewards offer applies to Civic consumer rewards credit cards only. 1% rewards available for card purchases less returns. If not already a member, you must obtain membership with Civic FCU at the time of credit card application. All loans are subject to approval via Civic’s online application process. For full details and exclusions for the Civic Cash Back Rewards program, click here.

‡ Standard message and data rates apply. Please check with your carrier for details

^ Other fees may apply. See details.