Rewards Credit Card

woman holding credit card
Rewards Credit Card

Cash is the best reward

No complicated points, just cash. Every time.

Earn
Earn

Get 1% cash back on every purchase

Save
Save

No cash advance, annual, or balance transfer fees

Spend
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.

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
  • 1% cash back with every purchase
  • APRs as low as 13.25%*
You deserve rewards, with credit card

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
Discover your success
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.

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.
Your voice matters
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.

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.
Other ways to Join
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.

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.]

Here are a few frequently asked questions:

View All FAQs

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.

† 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 or member services experience center. For full details and exclusions for the Civic Cash Back Rewards program, click here, click here.

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

^ Other fees may apply. See details.