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Rewards Credit Card

woman holding credit card
Rewards Credit Card

Earn points for your purchases

Save them up, or redeem them fast ... because you deserve a reward.

Earn
Earn

Get 1% back in rewards points1 on your purchases

Save
Save

No cash advance, annual, or balance transfer fees2

Spend
Redeem

Use your points for merchandise, travel perks, and more 

Real rewards that work for you

Earn points when you make purchases with your Rewards Credit Card. Then, log in to online banking to view the uChoose Rewards catalog and redeem your points. 

Use your points for travel or event perks, gift cards, merchandise, and more. 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% back in rewards points1 on your purchases
  • APRs as low as 14.75%1
apply
Young woman in a café happily uses her smartphone for online shopping and mobile banking, paying with a credit card.

Life is better without fees

  • No application fees2
  • No cash advance fees2
  • No annual fees2
apply
Rewards Credit Card Features

Options are rewarding

  • Redeem points for your wants or your needs - you decide!
  • 24/7 identity and theft protection3
  • Get Roadside Dispatch as a perk with your card4
apply
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:

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Disclaimer

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 FCU at the time of credit card application. See full details and exclusions for the Civic Rewards program.

2 Other fees and restrictions may apply. Get details. 

3 Identity theft and fraud protection are provided by Visa® through ID Navigator Powered by NortonLifeLock™ for Civic debit and credit cards. The service does not apply to checks or ACH transactions.

4 Provided by Visa.® No membership, pre-enrollment or annual dues required. See your cardholder agreement for details.