Want to save while you spend? Send your cash rewards to a Select Savings Account to maximize your benefits.
Rewards Credit Card
Rewards Credit Card
Cash is the best reward
You could get 3% cash back† until July 31. It's that easy.
Earn
3% cash back† rewards on your purchases right now. Get 1% cash back rewards every day.
Save
No cash advance, annual, or balance transfer fees^
Spend
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, with no limitations. 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.
Get what you deserve
- Loan amounts up to $30,000 for individuals and up to $60,000 for joint accounts
- 3% cash back† on purchases until July 31, 2023
- APRs as low as 14.00%*
Options are rewarding
- Consolidate debt with low rates
- Earn unlimited cash back
- Save money with no fees^
Civic Membership
You Belong Here
Here, you’re part of a community that puts community first.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
Our commitment to keeping it local
Local governments are essential for building a strong economy, increasing the standard of living and serving North Carolinians. And at Civic, we’re embedded in the local economy, offering equitable products and positive financial returns for our members, small businesses and nonprofits.
Civic Membership
You Belong Here
Here, you’re part of a community that puts community first.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
Our commitment to people
Our mission is people, not profits. We resolve to put the needs and well-being of individuals, families and communities first. And in everything we do, we cultivate practices of embracing our differences through a policy of diversity, equity and inclusion for all.
Civic Membership
You Belong Here
Here, you’re part of a community that puts community first.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
Our commitment to prosperity
We engage in an active use of finance to do good while helping our members to do well. This means we offer member-focused benefits like equitable dividends, low fees, better interest rates and products that help you get ahead.
You know that details matter. [And you are in good company.]
View All FAQs
Here are a few frequently asked questions:
Disclaimer
* 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.
† Subject to approval. Rate and credit limit are evaluated based on member’s credit history; rates are subject to change. 3% cash back rewards offer applies to Civic Consumer Rewards Credit Cards only. 3% rewards are available for card purchases less returns. 3% cash back rewards will be given for purchases made between the dates of May 1, 2023 and July 31, 2023 that have a postdate prior to or on August 2, 2023. At the end of the reward period stated above, the rewards percentage will revert to 1% cash back rewards. If not already a member, you must obtain membership with Civic FCU at the time of credit card application. For full details and exclusions for the Civic Cash Back Rewards program, click here.
‡ Standard message and data rates apply.
^ Other fees and restrictions may apply. Get details.